Thanks mom!1. Yes, there have been cases of denial letters being issued without an interview for things like early filing, being out of status, not meeting eligibility requirements, etc. Certainly not for being deemed a potential public charge - a RFE demonstrating one is not likely to become a public charge will be issued in that case (if they do not wish to conduct an interview).
2. US bank statements preferable.
Maybe I phrased my last question wrong. I will include the US bank statements in any case. My question was whether I need to include other bank accounts outside of the U.S. as well.