... But really, if bitcoin were really secure from inception then we wouldn't have any of these problems. Maybe some other currency that is user friendly and secure will supplant bitcoin. It's really not that far fetched even though bitcoin has it's followers it also has pretty severe flaws.
That's the responsibilty aspect of being your own bank, as it were. If Bitcoin's price becomes more stable due to widespread adoption and it is used as a store of wealth, which I believe was one of Satoshi's main intentions, then we will have to know how to secure it ourselves and be responsible for our own wealth.
I don't think it's particurlarly hard to keep most of your BTC in an encypted offline wallet, whether it's backed up on paper or on multiple media (paper, SD card, USB drive etc.), and the younger generation would have no problem in doing this, I expect.
To pick out arbitrary figures - say you owned 100 BTC: you'd keep 90 BTC in cold storage, 7 to 8 BTC on a secure computer just used for signing transactions and 2 to 3 BTC in your online PC/smartphone wallet for everyday purchases and bills. This is how I could see it working for the younger generation of Bitcoiners. If they could afford 100 BTC, of course
