“Everything is good, thanks. Staying busy with work…” and then either get back to work or stare at them until it gets awkward. Its possible they have trouble with social cues and you seem friendly or nice or whatever, people are weird and being a new employee is stressful so trying to latch onto someone who comes across well can be a thing that happens. I try to redirect people like this to the topic of work and answer any personal question with something boring. What did you do this weekend? Laundry. If they have any self awareness they will eventually only talk to you about work. Stay professional and don’t be rude while making it clear you are at work to do work and have no interest in their personal life or sharing any details of yours.
I’m not sure I would. If I could have avoided the bullshit or done the things that would have optimized my income and wealth, I don’t think I would have ended up where I am now. The risk doesn’t seem worth it, I would be a completely different person with a completely different life.