Bitcoin is not exactly a mature currency. When a new merchant starts accepting Bitcoin payments it's still front page news. So I wouldn't read too much into the lack of lending infrastructure. Evaluating creditworthiness, and going after defaulters, is a lot more work than holding cash deposits or accepting cash in return for products, and those things are still big logistical challenges in Bitcoin land.
Sure, but I still have my doubts. Apparently merchants like Namecheap accepting Bitcoin don't name their price in Bitcoin, they name their price in USD. Again, if you believe in Bitcoin, shouldn't you name your price in Bitcoin?
With the volatility of Bitcoin's price, it's quite hard to do. They can't set a single price, so they would have to modify their existing site (where most people probably come to pay in USD anyway) to automatically fetch the current market price.
Not yet, but that will happen once bitcoins saturate the market of currencies. We're just in the beginning stages. Linux sucked when it was first released too.
