That's quite the post, but as I was skimming through it, I did find one thing to comment on,
"So why should the average Joe put up with bitcoins volatility and the possibility of having his funds easily stolen (if he has to move his money around, you cant just keep it in cold storage forever you know) and no consumer protection?
Why?"
You assume that I want mass adoption. I don't.
You assume that I want to cater to the average Joe. I don't.
I am simply looking for a better alternative to the system that has been forced upon me since birth.
I was born, coincidentally, at the exact time that the US decided to completely detach their fiat currency from any connection with anything of real value.
I don't blame anyone for not teaching me about the way the world works. I blame myself for not learning about it earlier.
Good luck sticking with the "average Joe's" it's ok, the government will take care of everything. I'm sure it will all turn out fine.