I be thinking about ways to make adoption happen, been racking me brains and only scenario I can think of that can make mass adoption happen is if major high street banks offer "bitcoin accounts" to average joe. Then average joe will feel confident to start using it. Of course, banks is unlikely to do this but anything is possible. Without this happening, the financial offering by the banks will always be seen as greater than what some nerdy goofy technology like bitcoin can offer. One thing is that banks have much more marketing power and high street presence and in today's culture, that means everything to average joe.