GRAMMOR | subjunctive mood vs indicative mood

How the below two sentences are different

She talks as if she knew everything 

She talks as if she knows everything

I am preaching the Philippine situations in group chat 

Such as (this is only example)

Philippine 10% is very rich people and the other 70% is in poverty 

There is very thin middle classes layer  

To increase the middle classes  first 

1. bruce talks as if he knew everything about Philippine history (subjunctive mood)

(when teacher think actually “bruce do not know our situation exactly” ) 

2. I am talking about people’s power and why philiphine economy become a little behind in “1960-1980” compare to the other south east country

(some teachers think “how does bruce know about history well even if he is foreigner ”  a little astonished )

*bruce talks as if he knows everything about Philippine history (indicative mood)

1. if he were a rich man, he would help me out

2. if he is a rich man, he will help me out

if teachers understood  clearly teacher can answer for the below for the above No.1 No2 sentences

1. is he a rich man ? or not or “I do not know exactly”

2. does he help me ? doe not help ? not yet (I do not know if he will help or not)