Indeed, and a it is a prisoner's dilemma in which the other person doesn't even know if you defected after the fact.
Kind of. If you have data but don't share it, you can't publish off of it either. And there are grant monitors. If you're ordering the reagents for several times the sequencing you're putting up in the bank, they may well ask questions. Some are more assiduous than others, but do you want to take that chance?
Michael Nielsen's new book Reinventing Discovery is invigorating. Here's one passage on how a small group talked an issue through and had a large impact on scientific progress: