I think hardware wallets are the way to go as far as making something simple
and secure for the masses.
A PC can be corrupted with malware, but a hardware wallet can't.
Until we have debit card type usability (ease of use and storage) where the holder of the card still initiates the transaction it wont be picked up by the masses. Having to take a picture of a QR code and use an app to initiate a transaction is more difficult than using a credit card. This is the biggest problem as it currently stands. Consumers don't care about the 2-5% fee.
Whoever can make the first hardware wallets with the ability to swipe a transaction into a machine, whether it be RFID or magnetic strip will truly be able to market to the non-crypto masses.