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I trust that you are aware that you have the right to just travel to the UK and have your wife admitted on the basis that she is accompanying her EEA husband. As she is a US citizen, she does not need a visa, even though she will be in the UK for a long time. As soon as you start exercising treaty rights, which will require the two of you to have Comprehensive Sickness Insurance (CSI), your wife should apply for a residence card so as to make life in the UK easier. When you arrive in the UK without anything like a visa, you will have to provide evidence that you are married, and it is generally considered advisable to carry evidence that yours is not a marriage of convenience. You do not have to be a student when you enter - you get three months initial residence just on the basis of your being Austrian.
I imagine because they are from countries that do not have visa-free entry into the UK. Since your wife is American you're in quite a privileged position when it comes to initial assumptions and the behaviour of the Border Force and UKVI.
We entered without having to show our marriage certificate. I simply stated that I was exercising my treaty rights and would like to enter the country with my husband under those treaty rights. However, in our case, my husband did already hold a valid Article 10 residency card form another EU country.
We have both been able to open bank accounts using some of the new online banks: Starling, Monzo & Revolut. Established banks have been a bit more difficult, so we have not yet made that step.