You are suffering from androgenic alopecia which is also called as pattern baldness. The hairs start reducing in density at the crown (top) and also the hairline starts receeding  from the front. This is usually progressive throughout life unless treated. It is usually accompanied by severe dandruff which we call seborrhoea. The FDA approved treatment for this condition is the best. No oil or cream will magically work because the hairs are getting miniaturised  and eventually disappearing due to the hormonal effects of DHT on the hair roots. Please contact me with photos using online consult option for proper examination and treatment.

Yes .

Not so serious.. Contact me by direct online consultation for detailed information