Occasionally schools will have spots open up late in the summer from current students who decide not to return. If they get a new late applicant who is stronger than anyone remaining on WL and who would commit on the spot, there’s a chance there.
As for FA - only apply if you need it. Schools struggle to meet financial needs as it is, they aren’t offering up aid to those without need. Although I believe there are schools that offer merit $, but not familiar with how that works.