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.
Nonsense. It just means that those who are good at security will become the new guardians of the realm. Bitcoin was never really meant to be used at the protocol level by Joe Six Pack. There will be geeks who write secure wallet systems for android and such that let Joe
use bitcoins in daily life as an abstract means to pay with his mobile phone or over the Internet securely. We don't really want one single client with one security model, because if it has flaws they all willl. We want a bunch of clients, each doing security in a different way. The bazzar, not the cathedral.
Hmm, don't you think this will take away from the decentralized nature of the bitcoin monetary system? In the end this is what must happen in order for bitcoin to gain mainstream acceptance. You have to trust someone else other than your self, but that may be the price you have to pay. In that case it would be wise to spread out your bitcoin savings amongst several of these security experts and whatever bitcoin banks they will eventually operate.
This is a crazy idea but we need some form of unique physical form of ID or way of signing your private keys - say retina scan.