Thank you all for the information. For the general public, the client is indeed not the tool to use. At least not in its current form. They would have to use online accounts at web services sites who offer payment processing and will still charge a %ge on every transaction.

Still, this does not make Bitcoins useless or anything. I am just saying :-) They still offer a great way to store value without the need of buying gold/silver ETFs which are not actually owned by yourself and stored in a bank vault somewhere (at least, you are being told it is), and without the question how much there actually is or how much there is going to be.