Heck, it's not even good enough for 1 day at home per week. It's basically only useful for cases where you need to stay home because of a sick kid or someone is coming over for house repair/maintenance.
Not if you choose to not opt in. If you choose to not opt-in you will still take those days but you will be unable to work from home around whatever emergency or appointment you have.
The article is wrong. The 14 day limit applies only to working from a different country than the one your job is based in. Partial WFH is very much still on the table for the foreseeable future as far as we know.
The article is ambiguous about that. One interpretation is "max 14 days of remote work per year where you can't be in the office 3 days a week" (which is separately mentioned later in the article).