I am holding a modest position in 2 PoS coins mostly as an experiment (ie - not because I have any particular love for either project), and after a few months of doing so I have found I am deeply reluctant to sell either of them, because I feel like I have to wait until I receive a block reward from staking to justify the time spent. I understand this is not entirely rational, but that's partly why I am doing the experiment, to see how I feel about PoS in general. Consequently, I would say that PoS is not appropriate for a coin intended for transactional purposes (rather than purely contractual, say) unless the effective annual interest rate is in the range of what fiat currency banks pay for a savings account or CD, because otherwise it appears to have a chilling effect on actually using the coin. At least it does for me.
Correct. PoS in my opinion encourages hoarding of the coins rather than distribution, whether by outright sale on an exchange or in transactions for goods. It's part of the reason that raising interest rates generally cools down inflation (or at least so the Fed thinks). It encourages saving rather than spending.