Ladies Bikes - What are you riding?

A few stupid questions:

Are or why are OTP that hard to find for girls? What is the problem? Is it the physical shape of the frame ie wrong BB to top tube lengths or is it something else and can you say what?

In general, it's that ladies' legs are proportionally longer than torso compared to men. Therefore bikes that are the "right size" (according to leg measurements) are gonna be too long in the top tube. The solution with my current bike is get a "too small" frame and jack the saddle up; other bikes I've owned have used the "use a tiny stem and get used to twitchy handling" method.