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.)
then that pretty much is full circle and defeats the whole purpose of alt to fiat currencies.
the upside to cryptos is they put you in control of your money.
the downside to cryptos is they put you in control of your money

simple rule don't put anyone else in control of you cryptos

otherwise ur better off sticking to fiat.