So first: why are the banks/fiat bad?
Second: How does Bitcoin fix this?
Third: What would make the average consumer care?
1. they aren't.
2. it doesn't.
3. he wouldn't.
Honestly, those are all valid and true answers, but I guess you're missing the point here.
Bitcoin offers an alternative and/or complement to the traditional technological finance paradigm, which is basically a continuation of methods developed in early renaissance Italy, ca. 1400-1600.
How and wether Bitcoin's new paradigm will work for consumers and/or against traditional institutions' established business models, is an unanswered question, and part of a large-scale experiment that started on January 3. 2009.
We'll see.