I think #2 holds the most potential especially in 3rd world countries. Majority of users here already have access to credit cards, banks, atm etc. For someone sending money to family overseas, this would be a great option. Western union and similar companies charge a massive premium.
yeah.. the fee for sending overseas is $4-$5, but the receiver ends up receiving a lot less because money transmitters like paypal, xoom or banks have lower exchange rates.. they make money in the conversion. i see this traveling all over. for ex: in indonesia, you have to convert US$ first to IDR, then IDR to whatever currency in the receiving country. you lose money with each conversion. if you travel, the easiest way to convert to local currency is when you arrive at the airport and the rates are very low, on top of "commissions".
and this is not just for 3rd world countries. overstock is shipping across the globe now and paying in bitcoin makes more sense than paying in local currency..with your local credit card. think bigger picture.