Woof. This is why it’s critically important to use a password manager. We simply have too many accounts to remember unique passwords, and repeatedly we see some of those accounts will get breached and your details stolen.
Correct. This is a brute force dictionary. It's a very powerful tool, but it's applications are severely limited. Any well designed system has protection from brute force attacks. It's mostly useful for stuff like cracking encrypted databases, which would be a situation where the target is entirely under your control. You can't just break into someone's Gmail with it.