people wont use it becoz it can easily be stolled and there is no compensation for the consumer ppuepil are going to fear hathing their bitcoins stored online and they can be stolled in an instant.
im afraid just the thought of hathing my bitcoins HOT for even just a few seconds with peupil hathing their coins stolled even with 2fa and secondary password it just isnt safe enough for the sheeple.
Good point how insecure user computers are today. But fortunatelly instead of refunds/central decisions how to handle unsecure user computers, a lot of development is in making secure hardware wallets for Bitcoin, but still not used by many and still early to say some are 100% secure. So you see we are still at very early (and wild) Bitcoin stage today