It seems pretty obvious we need a new coin with a fixed conversion rate that can only be traded between individuals & businesses. How else can we stop hackers, governments or wall street from f**king everything up?
How about an added layer? An index that computes the price in local fiat of anything you can buy and the price of the fiats themselves, with algorithms to weed out statistical anomalies, comodity price manipulations, etc.
Then you can pay whatever you want for a bitcoin, but you should know first that the suggested price in your fiat currency (taking into account this index) is: X.