Going further, my suspicion is that deflationary effects and the rise of transaction fees will be such that, even for those who are sufficiently tech-savvy, it will be advantageous for most, if not all, people to access the network in this way.
It will only be advantageous for the thieves, inside and outside the bank, who eventually loot the accounts of anyone foolish enough to entrust their bitcoins to a third party.
I submit this is the desired outcome of anyone advocating that Bitcoin remain deliberately limited such that most users will not have the option of maintaining control over their own funds.