False.
Ask yourself: do you expect non-technical retail users to interact directly with the core bitcoin network if/when this takes off big-time? Where transaction charges for every payment will become the norm? With complete transaction finality (and hence none of the consumer "protections" they have, rightly or wrongly, come to expect)? With the risk that a single computer virus could wipe out their entire net worth?
I would argue no. I would not expect non-technical retail users to interact directly with such a system.
By that logic, your conclusion does not make sense. In the case of email, most end-users don't interact directly with the system (i.e. having their own mail server). If Mail/E-Mail = Money/Bitcoins, then Gmail = Instawallet, isn't it?