I'm gonna go with commuting here since that seems to have the most obstacles.
Obstacle 1: Distance and busy roads
Solution: Bike to the nearest bus stop and take the bus part of the way. Then I can get off and bike from wherever I like. Plus I'll have my bike with me to run errands throughout the day.
Obstacle 2: Having to change from riding to work clothes
Solution: bring a change of clothes in a saddle bag. Keep a towel at work. This is much easier when it's warm and sunny.