No: try both marginals equal to the uniform distribution on a set of size $n$, then the largest probability of the complement of the diagonal is $1$ while it is $1-1/n$ for the product distribution.
No: try both marginals equal to the uniform distribution on a set of size $n$, then the largest probability of the complement of the diagonal is $1$ while it is $1-1/n$ for the product distribution.