1) getting hold of bitcoins anonymously is indeed like something out of the bourne supremecy and takes major hassle and headaches in the UK at least....buying ukash codes, then trying to convert to USD to use on cashu to finally get to mtgox....or using other online guys taking a whopping 20% !!...as for using paypal or CC....forget it !!!
If you are in London, you needn't pay more than 5% for anonymous, cash purchases:
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https://localbitcoins.com/postal_code/uk/londonthe everyday online customers will not use or go near bitcoin until it is majorly simplified and user friendly....
In the U.S., Coinbase has an approach that seems to work well. The cost is relatively trivial (1% above spot when buying bitcoins, 1% below when selling bitcoins). Of course, this is not anonymous. There's no such thing as using the bank system for its convenience and not putting up with the hassles that AML/KYC require.
3) pricing......another trickty area as any payment systems needs to be linked or some poor sod merchent will be forever having to change his/her prices to reflect the unstable nature of bitcoin values
With most e-commerce / shopping cart software solutions, including payment processing like is offered from BitPay allows the merchant to set the price in USDs (or some other other currency) and the price shown to the customer is computed dynamically based on the current exchange rate.
3) Also there does need to be some movement towards buyer protection too. Everyone sparks on about the benefit to sellers as no chargebacks etc are possible....yet we forget, you will never make this payment successful without offering buyer protection.
Cash also is non-reversible and doesn't enable chargebacks. Not sure how customers still patronize these cash-only businesses :-)