Agree 100%. I don't even think Bitcoin is ready for mainstream adoption, still too many issues around securing wallets for Bitcoin to work on a broader scale. Hell, most people don't even know what 2 factor authentication is! Anyone familiar with the Rogers Curve (I only just discovered it's name ) may agree that new technologies achieve widescale adoption by moving from left to right on the curve, the innovators and early adopter assist the early majority to adopt and they then inturn engage the late majority etc. Trying to aim down the middle will not yield great results.

http://www.valuebasedmanagement.net/images/picture_rogers_adoption_innovation_curve.gif

I think 2014 is about building out infrastructure to address some of the big barriers to mainstream adoption, e.g. providing more user-friendly means of securing wallets, escrow services, consumer protection insurance etc.