There is a speculative (investment) presence in the current bitcoin discussion scene. Only known and used by a few people.
If bitcoin really wants to become a universal currency payment system, how can we optimize the design for ease of use and make it easy for most people to get started easily and with low risk?
There is nothing like designing bitcoin, its all about the wallet youre making use of. There are wallets that has simple interface and make things easy for newbies to understand and there are others with complicated design and only good at making things a bit more difficult for them. So, its all about the wallet youre making use of. There are already good wallets that are recommended for newbies like Coinbase. In terms of risk, there is really nothing you can do about that.
But, as time goes on and lots of people begins to join the bitcoin market, the market cap will grow and the market will become less volatile I guess. So for now they can only be investing what they ca afford to invest and nothing more. There is nothing you can do about the risk.