If we don't make bitcoiners more responsible, then they will demand the existance of "bitcoin banks" that will store their bitcoins for them "safely".
If the newbies cannot be responsible, then they will hand over the control over their coins to middleman, centralized wallets, and we will accomplish nothing.
Actually centralized wallets are not much safer for the newbies, without hardware walets like trezor or keepkey you cant make the use of Bitcoin safe for the masses. Current centralized wallets F2A is not good enought, and many Bitcoins are stealed from these services.
I'm not worried about their security, that can eventually improve. I'm worried about fractional reserve system on exchanges.
Hardware wallets might be too expensive for newbies living in poor countries, especially those joining from africa or SE asia