1) I have yet to find anyone willing to accept email from me that has been encrypted before I send it and must be decrypted by them (GPG for example).
2) It is stored in plaintext on a server I do not control (I send it to someone who uses one of those big hosts like Google, Yahoo, etc).
Sending it over the wire in plaintext is probably being less of an issue now (as it seems the most used hosts are doing TLS), but that doesn't really help with bullet #2.
I think the best bet is attempting to communicate with others using some other application that is not email based (like textsecure for example). Not sure how to get regular email from corporations via another means though (monthly bills for example).