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Because IPSec is integrated at the Internet layer (layer 3), it provides security for almost all protocols in the TCP/IP suite, and because IPSec is applied transparently to applications, there is no need to configure separate security for each application that uses TCP/IP.
The pre-shared key is merely used for authentication, not for encryption! IPsec tunnels rely on the ISAKMP/IKE protocols to exchange the keys for encryption, etc. But before IKE can work, both peers need to authenticate each other (mutual authentication). This is the only part in which the PSKs are used (RFC 2409).