Sure, we're back at square one where this problem is entirely imaginary.

There is a wide array of solutions at hand should commoners wish to transact in Bitcoin, side chains could be one, although I don't really buy it.
I see Open Transactions variants as more promising as they can work with the infrastructure as it currently stands for example on one hand.

On the other hand you can't compare bitcoin-enabled centralized services with their fiat counterpart, because with Bitcoin, their solvency can be trivially verified, and their prompt death made certain, should they misbehave.

The true value proposition of Bitcoin isn't that everybody can send virtual gold dust around, it's that you can actually see your bank's gold stash behind bulletproof crypto-glass.

The idea that there should be a one-size-fits-all for all problems, and all people doesn't have any value or merit. It's just some sort of religion.