yes. save a minecraft skin, any kind, then open up your minecraft.jar folder using winrar. after this go to mob then there should be a file called char.png, open up your saved minecraft skin and rename it char (just char). then (while having both side to side) drag your new minecraf skin and drop it into the mob folder. check your minecraft after. hope this helped.
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You can download them without buying minecraft, you'll just have no use though.
According to the official Minecraft site, you have to purchase the game to play it.
By buying the game or getting the game from people.
The account is free and you can tecnicly download the game without even buying it, but, in order for minecraft to work you have to pay for it for $26.95. Then you can download the .jar file.
If you are asking for a username and password of another person's account, here is not the place to do so. Not only can their account be subject to a password change, but they may lose their account. I recommend buying Minecraft, if you find it a good game!