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it's less like payday and more kind of like an RPG, where better color guns have better stats.
No, so like, you earn money through heists, then you go to a black market with a rotating stock, then you can buy these guns and put them on your crew, if the crew member dies it has a chance to die forgo and lose that gear (unless that was changed)
if your BOSS dies, Travis, its game over everything resets.
Taking over certain areas of the map will also reward you with guns, and recruiting special crew members will give you their unique weapon.
instead of actually looting your guns(tho you can stil randomly get them from capturing territory) you buy them and what you can buy is random each day