It probably would be a problem with the servers if it’s stuck on loading.

But you shouldn’t need to create accounts on multiple instances: if the instances are federated, that is if they have linked, you should be able to subscribe and interact with communities on other instances just from your one account.

Depends on how you’re interacting with Lemmy, I think. In firefox I click on the thumbnail. In Jerboa I have to enter the comments thread, or follow the link by tapping on the thumbnail.

You might find more knowledgeable answers in the Lemmy support community.