Setting up a Dwolla account, and sending a payment to another Dwolla user is the same process as Paypal, except your bank account is your only backup funding method, and not a credit card. Using paypal online is easy because you've already went through the setup process. Using a credit card online is easy but only because you've already signed up with your credit card and went through plenty more verifications and procedures than bitcoin needs.

Yes, bitcoin can be a bit difficult to get sometimes, but blame the money in your pocket for that, not bitcoin. You can't easily send cash to someone instantly unless you use a third party and those third parties need your information and time to collect funds, time to send funds, finish the transaction and so on. CCs are easy but only because you already have an account registered.

IF the world ran on bitcoin, exchanges would be faster than ever before. No waiting for funds to be deposited into your bank account, then to your online account, then to pay someone else. No overdrafts, no fees. If I was paid with bitcoins I could send money overseas to family in need within minutes of receiving my paycheck, without having to wait for a bank transfer or an outrageous Western Union fee. You know the advantages...

Furthermore if bitcoin does come to reach further popularity, and some of your family/friends/neighbors had bitcoins, well you could just trade with them. Once we reach that level, exchange won't be a problem. If I could simply step into Walmart and hand them some cash for bitcoins, things would be easy. It's still a long path to get there, though, and the ones who are willing to go through the murky grounds now will reap the benefits later.