Kouye - BTC are not delivered until payment clears.
cp1 - Yes. I placed the order, to my detriment, without sufficient prior research.
Yeah, sure.
I'm using bitstamp, and I'm not aware of any way to purchase BTC prior to having a sufficient fiat balance to do so. I might have missed it, though, the site is not a model of user friendly site, I'll admit that (sorry, /dev/null, but this is true
).