I am aware of those fees, I've known a couple small business owners. But for those fees to disappear- That would require bitcoin being adopted to a universal standard in which these businesses did not need to process credit cards at all.
Yes. What we need is an easy way for consumers to acquire bitcoins and for merchants an easy way to accept payment in bitcoins. For the latter I really like what Bit-Pay are doing, for the former I still think it's too complicated.
When it comes to actual clients I stay away from showing people the Satoshi client completely in favor of Andreas' Bitcoin Wallet for Android. A quick demonstration of how easy payment via the QR code system is and most merchants respond by wanting Bitcoin to replace their current credit card system immediately.
I agree that bitcoin is supposed to be decentralized in theory, but it really seems to me that a very large amount of traffic and funding is in the hands of a very small number of exchanges.
True. I've personally only traded once on MtGox, all my other BTC purchases have been P2P through Bitmarket.eu for that very reason.