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First Time to Italy, Some Basic Questions

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We are traveling from the USA, going in early October, 4 nights each in Rome, Tuscany & Florence. Some basic questions:

1. Will most restaurants & shops take our Visa or American Express credit cards or do we need cash a lot of the time?

2. We are staying in high end hotels. Will we need electric outlet adapters for shaver, phone chargers, etc?

3. We've heard a lot about pick-pockets & scams, but what about luggage while in the hands of the airlines in Rome & Florence? Any problems there worse than, let's say, Germany?

Any advice would be most appreciated. Thank you all.

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