When just signing up for the service itself quadruples the number of possible points of intrusion into my financial ecosystem, why?
The user friendliness example doesn't seem to be that big of a deal to me.
You are a geek. You simply cannot understand. I know, I'm fighting this every single day since the last 10 years.
Do you know the difference between the Ipod and all the other MP3 players that were on the market 2 years before the Ipod? The Ipod is more expansive. And is user friendly.
Same goes for the Iphone and everything else.
1% of the geek population care about effectiveness, security and stuffs like that. (they are using Linux for example). 99% want something easy. Or very cool. Paying will never be cool. As long as bitcoin is not usable by brain dead morons, no chance to seeing taking of.
(And as I said somewhere else, I have the complete plan written to make Bitcoin user friendly. But I believe that developing everything I describe in that document will cost something like 20 or 30 man/months. I cannot afford that, unfortunately)