Cracking that problem is something I've spent a lot of time thinking about.
I have also spent a long time thinking about this very problem - the conclusion that I have come to is "the home server".
The idea being to have a server at everyone's home that acts as their own "social network" hub as well as acting as a P2P participant in a system that provides both social and financial services.
Perhaps combine it with D-Central that John McAfee is supposedly going to provide to protect against surveillance from the NSA and other governments.
Hopefully he or someone is successful from the anti-surveillance standpoint and if it is open source, tweaking it to include bit coin services would be cool.
http://www.futuretensecentral.com