You know what guys, if we expect the average joe to have to learn to become a security expert just to use bitcoin, then bitcoin is pretty much doomed. If not it will just remain an anarchistic/libertarian geek's version of paypal. Or it could just piss off the government who will use this as an excuse to go after the exchangers/users because of claims that stolen bitcoin funds could be used to fund terrorism.
All this proves is there is a market for a layer on top of Bitcoin to provide security without the "average joe" having to make any effort. Thankfully, those who do want to make the effort won't require this layer.
In time, someone will provide a security solution for the "average joe". And they will get rich doing it.