That is a fair point: the Bitcoin network, today, is wholly unsuitable as a mechanism for storing and transferring my parents' money (my usual test for whether a technology is ready for non-technical mainstream users). That's not to say things won't change, of course.
I agree this is the state of Bitcoin at the moment. The problems are known to be solvable though, as long as the solutions are actually implemented.
Another fair point.... it's incumbent on me to dig out the threads where this is discussed. The big blocker to mainstream adoption in the absence of "trusted" intermediaries such as bank-like entities that stands out to me is the inability of regular users (and advanced users at times) to look after themselves online... i.e. it would be interesting to see discussions around wallet backup/protection that reflect users' inability to backup their systems or choose good passwords and without requiring trust of a third party. I'll do some digging (if you have links, that would also be good)