It is not a matter of aligning the decimal points, but aligning the place value columns so that the ones are under each other, the tens are under each other, the tenths are under each other, etc which is the proper way to subtract. As the decimal points are between the ones and tenths columns, with those place value columns aligned, the decimal points are aligned.
Aligning the decimal points is an easy way to remember to align the place value columns, as with the decimal points aligned all the place value columns are automatically aligned.
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you have to line up the decimal points because you need to keep each place value in the same column so when you add or subtract you wont make any errors
This is effectively the same as lining up the decimal points when adding or subtracting ordinary decimal fractions.
Yes, unless you are an expert.
Unlike addition, there is no need to line up the decimal points. Just multiply ignoring the decimal points. When you are done, move the decimal point of the result to the left equal to the number of digits after the decimal point for both multiplicands.
You do not, but it is easier.