"Bitcoin is technically sophisticated. As a monetary system, it looks primitive." - The Economist
I think this is a correct assessment. If bitcoin doesn't eventually introduce more sophisticated p2p monetary instruments, some other digital currency will. This currency will be much easier for merchants to adopt. If bitcoin hasn't achieved world domination before this happens, bitcoin will disappear and the new currency will take over.
I don't think bitcoin itself will ever intrinsically allow the financial instruments you are talking about. I also don't think that it is possible to build a sustainable currency system with the properties of bitcoin (pseudo-anonymity of parties engaged in transactions, and distributed authority) that also includes the financial instruments you are talking about, because the cost of incorporating those instruments into the system would mean a greater cost to be paid by the 'miners' in that system that validate transactions. It is possible that such a system could become self-sustaining but if it did, the cost of every transaction would include the cost of the instruments that you mentioned (because the miners would expect a return that gave them a profit even after paying the cost of verifying those complex instruments, which would require either inflation (always fabricating bitcoins to pay miners) or higher transaction fees.
I guess what I'm saying is, you're talking about a system that has higher transaction fees because it includes these instruments. Actually now that I've thought through this line of reasoning I realize that maybe your system would work - *if* it were possible for miners to attribute the extra cost of the instruments to the transactions that cause them to incur that cost, and *if* the cost wasn't also passed on to future miners who had to do more work to verify those past transactions without getting any benefit of the original transaction fees.