Private
Of course nobody wants to wash in freezing water! They could heat it over a fire, though. Having a job that is respectable but dull or low-paid is a better way than stealing or begging. I mean being respectably poor, yes.
The ladies I know might transform you into a creature, or cast other unpleasant spells on you if you insulted them. Although you needn't worry, because I doubt you'd have the opportunity. We aren't supposed to speak with muggles at home - poor or wealthy ones. I'd never spoken to one before I came here.
Yes, I know wizards better. Just as you know pirates better than I do, because you are one.
I've been here since before midsummer. I'm not the sort of person to give up. He'll find me, or I'll find a way home. And you oughtn't to believe everything you hear about this place. Think about who is telling it to you, and where they heard it from, and what the muggle authorities might not like people to know about. You and Jack are partners - so you sail on the same ship? If you were separated, he'll probably be looking for you.