Re: #2 - Vendors need to pay rent, suppliers, and employees - all of whom presumably don't accept BTC. So that's probably why you see Coinbase, BitPay, and others that default to converting BTC to fiat the moment of transaction.
i see what you're saying but if they have profit margins they could opt to keep some BTC. i think the issue at this point is that if one decides to hold onto BTC they are put more in the position of an "investor" rather than a bank-account owner.
business owners can't all be expected to drink the kool-aid, so they don't really seem to be assisting Bitcoin adoption outside of making it a choice in their payment processor
