I don't think any of that is trueThe problem for railroads is folks load up a car with god knows what and tell them to haul it somewhere. They can not refuse a load since that might be anti compition. They can not refuse an old worn out car and insist they use a nice new one they happen to own.
I do not really understand who checks and maintains leased cars. I see them working on doors etc on a siding near me,. Never seen if they do brakes or bearings. I doubt bearings with their small tools. Somehow they get paid by the owners.
Railroads have been a notorious PITA to deal with