I am Mormon.. have been for 30 years. Full tithe payer, been married and sealed in the temple to a returned missionary, hold current temple recommend, have active callings... all of that. Your question is not offensive in the least.
Your friend's claims are all true.
1. You not only have to be morally worthy, you also have to be a full tithe payer for that year. Which is 10% of your income. We do have meetings with our bishop at the end of the year to discuss if we are full or not. The tithes go to build temples, pay for admin costs, utilities for buildings, church budget and program funding. Fast offerings go to the food pantry and towards services for the poor and all that. Bishops (pastor/preachers) teachers and all that are totally unpaid and only serve in a volunteer capacity.
2. You can only be sealed in the temple to your family, so without the temple, you will not be sealed with your family. One reason why Mormons do a lot of baptisms for the dead by proxy, to give their ancestors the chance to accept the restored gospel if they choose. Also we why do a lot of missionary work. We truly want people to be able to be with their families through eternity, not just 'till death do us part'.
3. You can be together with your families in heaven if you are not sealed, but it is unclear in what way. Some religions believe that families will not even know each other, we don't believe that. You cannot achieve 'the highest' rewards with them, such as becoming like God and such with the power to create a new little world and to help create new spirits for that world or whatever it is they speculate. With sealing, moms can still raise their infants and children that died in death and such. Here is a great, short little video on why we believe temples are so important.
https://www.lds.org/church/temples/why-mormons-build-temp...
Frankly, I've been doing ALOT of soul searching these past few months and research of church history (through unbiased resources such as The History of the Church manuals, Discourses of Brigham Young among others), and though I LOVE the modern church and what it stands for today with the emphasis on family values and such, I see there have been a lot of unsavory things in the founding that make me question some of the original requirements, such as the necessity of the temple. It's something I'm still trying to figure out, as it is very hurtful to know that the gospel I know and love and have sacrificed for has been created into something wonderful, even though it was possibly done under false pretenses. Whitewashing of history by the church is confusing and difficult to navigate. But even if those unsavory things are true, I still think the church does offer great things to help people know Christ and to strengthen families. So really, Mormons and the LDS church, aside from founding issues, are really great people and it is sad to hear some of the contemporary criticisms made against them as non-Christians or whatever. As overall, it is a religion that believes in a very loving God, and tries to help it's members and non-members alike in a myriad of ways, both in spirituality and in non-secular ways. We have a vast volunteer force and food supply resources, we are the number one entity to helping in disasters (though we do not advertise it, we frequently provide to the Red Cross and Catholic Charities), we have career and employment workshops, adoption counseling and resources, addiction recovery programs, food pantries....