DISCLAIMER: None of these are truly canon to the original show and come from my personal understanding of the characters. Some parts of this thread is just me shamelessly projecting.
Bloom grew up somewhat poor in Gardenia. This can be seen from Vanessa making jabs at Mike's earnings in Season 1 and that both of them have jobs. This explains why Bloom was so eager to pay Vanessa back after the Winx got their first paycheck at Love and Pet.
Bloom has a bit of a crush on all the girls at first. She finds all of them amazing and beautiful in their own way. It's not uncommon for her to feel insecure and lacking compared to her friends.
Musa has a bit of stage fright as she doesn't like being the center of attention. However, her love of singing and her confidence in her talent is greater than her fear. Her fright only applies when she's not showing off her abilities though.