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. If that is the final word - and keeping BTC safe cannot be made much easier than it is now...then BTC will not be the mass success we want it to but rather be (and remain) a nice technology used by a small niche of enthusiasts.
Personally I don't believe that is how it will be. I think we are where Internet was in early 1990ties and with all the promise but also the same lack of proper user interface for easy use.
Solutions that will make it very simple and easy for everyone to keep their BTCs safe will be innovated I think.