MeatSweat

Hard to tell, but at some angles they look to have antenna and 3 sets of legs— ruling arachnids out and making your stink bug proposal more plausible.

Yes

https://store.steampowered.com/app/1431300/Sand/

Darkwood, Fear & Hunger and Faith are some of the spookiest games I've played, and they are all 2D. They create horror via suspense and dread instead of just jump scares.

Google Pay will do the same thing so you should be good there. It's called credit card tokenization.