I agree with the op

A mainstream newcomer to bitcoin only want to buy BTC at good price to expend somewhere or hold on his pass (1234) protected hypersecure wallet, he didnt know that he need to know about exchanges, privatekeys, blockchains, miners, etc...

He only need to download an app for iPhone, register with email-pass, buy BTC with credit card and expend BTC, no more, no less.