Merchant disposition is tied to whom you use to talk to them. And your cha influences prices WAY more then you can by bribing them. But it stacks. When the disposition changed you probably accidentily used someone elae to talk to them.
#2 is true in some cases. It already happens. But its a potential spoiler. Lets just say that what you suggest happens in a different way and isent represented in the prices.
#3: i agree that its tedious. But it makes sense. Haggling for prices is done with CHA. And rather then let us roll for it every single time they automated the process.
Id hate for them to remove it. But agree that having to talk to vendors with high cha characters every single time is annoying. Maybe check the highest cha in the group automaticly and use that for prices so we dont have to worry about doing it manually every single time.