For bitcoin to truly take off on a global mass market scale it does need to be as user friendly, or very close to it, as current centralized options. Most people care about ease of use. If there isn't a significant negative difference in using bitcoin compared to standard options, then thats when mass use will happen because bitcoin has additional great features with the main one being you have control over your own money.
I can't see how it could ever match your friendly local bank for convenience and safety unless you use it through a centralised portal.
He indeed misses the main point and for now it's the only point that matters. If it isn't decentralised then there really isn't much point in using it at all.
It can reach a huge scale without your average person switching from Paypal because it has qualities that Paypal will never match. If people can't see that then they should not be getting involved. There are enough others who can.
It was deeply stupid for anyone to tout it as some type of fun filled alternative to your debit card that was just as free and quick. As we now see actual usage brings some strains. They need a lot of hammering out.