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. After that, it's child's play.
Create secure private keys offline, keep them offline, and your bitcoins will be quite secure.
Learn a little bit about shamir's secret sharing and you will have an asset that is more secure than any traditional asset known to man.
Data is easy to copy, so do it!
There is reliable, open source software which will accomplish all your bitcoin security needs without any additional education (beyond the basics I just mentioned) for the user.
So... I'll rephrase your post as follows: It is far
too unsafe to store any real wealth in for the irresponsible, ignorant, unmotivated person. As it should be.
First of all, you are unlikely to be an average person. All of us in here are likely to be interested in bitcoin and perhaps even technology more than the average person.
A grandmother in Ukraine working in the super market all day might have zero interest in learning any of the things you talk about. A sheep herder in Nigeria (remember that BTC is supposed to be especially good for the unbanked in the third world..) would have a hard time figuring out how to do simple things in Microsoft Word.
I think some people need to consider that just because they are average among their peers - they might be far from average compared to the rest of the world.
Bitcoin is far far far from ready for mass adoption because of security issues.