Owning bitcoin is not complex. Spending and protecting them takes time to learn.
I don't think it's that difficult. If people can online bank then they should be able to use blockchain.info.
I truly believe bitcoin is too complex for the average shopper right now. We need a secure contact-less medium, similar to a credit card, to bring high street shoppers interested in bitcoin. Changing people's daily habits is difficult. I am fine with bitcoin staying off the high streets and focus on cross-border "internet" payment system. This is the real strength of bitcoin.
What makes you think these things wont come? I'm sure there will be all sorts of wallet apps to do things like contactless payments and have advanced security features (finger print scanning etc).