First of all, let's look at the "proof".
(x-y)2 ≥ 0
x2 + y2 ≥ 2xy
Now comes the critical step: divide by xy (assume xy≠0)
(x/y) + y/x ≥ 2
Now the problem: suppose x = 1 and y = -1
When you do the division, you change the direction of the inequality and the original statement is no longer true!
So when you do the division you must have xy>0!
Then on to your final question. This is an opinion.
I do not think that you can assume something to be true and derive something true based on that assumption and then claim that the assumption is true. However, if you can derive something known to be true from an assumption, I would expect that you could go the other way around, i.e. start with something you know to be true and derive the thing which you wish to prove.