The 6" figures from Hasbro are not easy to find in the wild, no. Right now your best bet might be Walmart as they seem to be getting the most of them at retail. Online you can find a spotty selection of them at various stores. Amazon has had Rey and Kylo in stock for a week, which was rare up until now.
I've just been ordering entire cases of the figures online because it's the only reliable way to make sure I can collect them all. Unfortunately, even that method does not make you immune. Just last week my regular retailer had one of my cases delayed from January... to April. That is how behind Hasbro is in getting these on the shelves. Some sellers are being completely left out in the cold as stock is tight.
Meanwhile, other companies like LEGO are mostly able to meet the demand. Peo's X-Wing is a bit hard to find, but apart from that it's easy pickings.
Hasbro needs to get serious about investing in expanding their manufacturing if they are going to try to keep up with Star Wars in the coming years. I think they are just stretched too thin, as they have Marvel and Transformers being big sellers as well that they have to churn out.
I think you're right. It's a mix of being underprepared and stretched thin with other properties. I have to believe that they'll course correct very soon...too much money left on the table.