just to add some of my thoughts:

1. bitcoin is supposed to be a currency, one would not have bigger amounts of cash, neither at home NOR in a bank. one would invest it in something real.
2. I admit its charming to hold bitcoins to gamble. Nevertheless I claim it to be an efficient market. If it was very likely bitcoin will be worth 1000$, it alreay would be near there

3. nevertheless, I though about the following: separate in savings account and payment account and keep the savings account offline (encrypt->usb->delete unencrypted). when putting the savings-wallet.dat online, use a live system which is guaranteed not to be compromised.

4. there WILL be banks or some other payment providers, because there will be demand for it due to low-tech users
5. such a provider would need to be liable (real name, within some proper jurisdiction) and have features as the author of the thread suggested.

6. furthermore i think it is neccesary, bitcoins can be insured (which such an provider could do with the fees he gets), because if not, trust in bitcoin might vanish. this is somehow similar to credit cards, where you are insured in case of theft. nobody would (hopefully) use it, if this were not the case.
7. in the end, this is a bad day for bitcoin, because there only will be a small percentage of users, able to 100% secure their money, so this for sure is not the last case of theft and the bitcoin image is going to suffer...