You do qualify for CERB, right? If you only applied for CERB because your mother asked you to and you had not met the requirements, you may face imprisonment or large fines depending on the level of fraud due to the latest CERB announcements.

I would not recommend handing over money to someone if you are feeling coerced to do so. You should avoid telling others your financial standing in the future to avoid them from hounding for your money.

OSAP does ask if you have any savings account when you apply. You will receive less OSAP because your income exceeds $5600 and you must report it all your income when you apply. The scheme you have of opening multiple accounts to hide OSAP from knowing is similar to money laundering and I would recommend you not to do this because OSAP is capable of figuring out.