It is far to unsafe to store any real wealth in for the average person.
I'm an average person. I've been using Bitcoin for over 4 years now. I've never lost a single coin.
All it takes is some responsibility.
I learned enough (common sense really) to realize that private keys were the "key" to security.
Average Joe wont do that

.
Like it or not, we will have bitcoin banks (we already have Coinbase etc but that is just the beginning.)
@ Dire
everyone's Brainwallet. the user is the problem.