For the first one. Gotta agree, normal people (non-technology) wont be investing in Bitcoin. Most of them are afraid for the rapid changes in the exchange rate. And.. some of them can't understand how Bitcoin work. Unless Bitcoin is value stable, else, people wont be investing in it.
Chicken and egg problem my friend,
To have stable exchange the market cap of bitcoin must be ALOT higher with many more tx (fiat to BTC and vice versa).
It will get there slowly i'm sure. Ppl who look at bitcoin long term can happily hold btc without worrying about short term fluctuation.