When your money is going to gain some value, you might as well take a risk and invest it for an even greater potential reward.
People always want more money.
Deflation does encourage delayed consumption of none staples and big ticket items. This is a feature not a bug.
You are correct that deflation adds on top of interest, which makes loans more expensive.
No. There is less interest charged on loans in a deflationary environment. Loans are cheaper. Remember the Argentinian counterexample ? Inflation high, interest rates high.