Who belongs the mined ZEC balance until a t- or z- address is created?

I'm new to electronic currencies, so please apologize my naive questions.
I installed zcash 1.0 from the binaries and I'm mining.

zcash-cli getinfo shows that my balance is currently 0 and I understood that it can take very long to have a non-zero balance.

Assuming that one day I'm happy enough to hit a block, to who would the ZEC reward belong? To the rpcuser set in the zcash.conf?

I don't understand if I need to create an address (t-addr or z-addr) from right now, so that I can dispose from the amount if any, or if I can wait until a first nugget comes.

What is exactly the role of t-/z- addresses as compared to the rpcuser. Do they act like a frontend for the rpcuser's balance?
If exchanging ZEC for USD on day on an exchange platform, will I need to create a t-/z- address to send the ZEC (or would the rpcuser suffice)?

Thank you for sharing your knowledge.

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There's already addresses created in you wallet about 100 but not shown. (This is key pool)
If you successfully mine one block, then it will show up.

Type "zcash-cli listsinceblock" and you will see what address generated new block.
It should be T address.

rpcuser is not related to wallet addresses. It is just an interface to interact with wallet daemon and user.