I've always maintained that Bitcoin is too complex to experience wide spread adoption, for now.

Most people will never understand how public-key cryptography works, or understand that you never actually have "bitcoins" in your possession but instead possess the ability to access "coins" which are actually just entries in a decentralized ledger.  People will continue to get malware, constantly.  Hoping for education to eradicate insecure computers around the world, while a noble endeavor, is a pipe dream.

The fact is that the world is "too dumb" for most things.  Email, networking, cars, planes and even the current fiat banking system.  I'm "too dumb" (or lazy in many cases) to fully understand lots of technologies I enjoy every day.

The path to main stream adoption is building more and more simplified interfaces to the bitcoin technology.  This will take time but I believe we are making progress month by month.

Hardware wallets will be a necessity I think.  As well as hiding cryptographic keys from the end user.

Bitcoin has to come to the people, because it will never happen the other way around.