Have done - what client where you using, RuneLite or vanilla? Only reason it should be checking the coffer is if you haven't had to enter your bank PIN yet, so did it happen after relog?
We made a pretty big change to the comms layer yesterday which is causing some issues - we're working to get these issues resolved, hopefully have everything fixed in the next few hours :)
It's a mixture of things, but we can only speculate as to what they watch on the server-side. The client itself has been reversed every which way, so we know what raw data the collect, just not how they use it.
This error code is actually served for more reasons than just attempting to bind to the Steam/Native launcher. Can you upload a RuneMate log file? Help > View Logs in the client.
I hope reading the FAQ has answered your questions - you can also review your usage on the Services page, it is accurate. Usage is recorded there when you terminate a bot session, so it's possible to go over 24 hours in a day by just botting for more than 24 hours and then stopping it.