There are two approaches to shock protection. One is enclose everything in a grounded conductive enclosure. Thus faults are contained and hopefully the grounding has a much lower resistance.
The second approach is purely using insulation to reduce the current to a nonhazardous level even if contact is made. Doubly insulated just means it’s twice as thick as Code requires in which case grounding is not required.
Of the two doubly insulated systems are obviously safer because they do not rely on external bonding, grounding, and breakers that may or may not be adequate. So less likely to get consumer law suits over faulty grounding that is not the manufacturers fault but might be impossible to prove otherwise;
So Q1: metal frame yes but doubly insulated internally. The paneling is insulated from the conductors internally. Q2: no that’s why it’s doubly insulated. Q3: See UL 1097, Double Insulation Systems for Use in Electrical Equipment.