One other thing that bothers me is the user who just wants to store value, and access it later when they need it.
Maybe such people are what futures and options are for?
If you want a loaf of bread in five years time, and are not sure how the price of bread might fluctuate by then, you buy a five year future loaf of bread.
If you want a loaf of bread anytime during the next five years but are not sure exactly when during that span of time you will want it, you buy a five year span open option on a loaf of bread.
Is that not how futures and options work?
-MarkM-