I think that more people would be spending if bitcoin was available as payment though. Right now there's very little sites that have bitcoin as payment. I think holding bitcoins has a bit to do with not being able to spend as well.

One reason for people not using bitcoin is that it is not issued by governments, so there is no protection from the governments.

There is no seize from government side also.
The stopping reason you have mentioned might be the one of the reason many people are into bitcoin ecosystem. Bitcoin provides freedom in many aspects.

Because it is like your own back. You handle everything even the decision making if you are investing to something. So it will be the owners fault if he will be scammed or not.

Agreed, our real problem is bitcoin doesn't well known enough, it's kinda hard telling people about bitcoin..

No, the way bitcoin is not controlled by anyone even government is kinda bitcoin advantages, is really suit for people that love freedom..

Yes that is at the first time you use it. But gaining more knowledge will make you more trusting using this currency. That is why so many people dont want it. Lack of knowledge is simply the best answer that is why they are neglecting BITCOIN.

I don't know about you but when I pay for coffee it typically takes quite a while to reflect on my account. Just like bitcoin the transaction has to be confirmed and that can take some time, especially during holidays and weekends.

Bitcoin is similar in that it needs to be confirmed, but the benefit is there are no holidays or weekends for bitcoin. There does need to be some improvement in how transactions work though.

Anyways, people overdraw their accounts all the time with fiat currency. It is easy to forget how insecure fiat currency is.

One of the main reasons definitely is that there are too few merchants and shops which accept Bitcoin. Why should somebody "normal" use Bitcoin as payment option when it is hard to spend them?

This isn't the first use case people will look for when using Bitcoin.
Speculation and bringing money over boarders while national currencies are diving is why Bitcoin will be used.
Your case will be relevant in a few years, when hedge fonds, big financial investors etc. already will have driven up Bitcoin's price.
For mass adoption using Bitcoin as currency is not needed in first place!