It makes doing calculations, particularly totalling up numbers, a lot easier to do. It also makes it easier to compare the numbers.
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No, it is not necessary. But it does help to be tidy.
no
you only line the decimals up when you are subtracting or adding not when you are multiplying im not sure about division...
Adding and subtracting decimals is easy. When you put the numbers one above the other, line up the decimals vertically and treat as you would any whole number just keep the decimals in line and bring it straight down to your answer.
Because left of the decimal point goes times 10 for every position and right of the decimal point goes times -10 for every position.