There must be secure apps written, like on a cell phone, where you can simply type in a dollar amount, touch phones, and the person on the other end gets your bitcoins, instantaneously with no problems at all. No possibilities of using bitcoins twice, no problems with them being stolen. We're not even CLOSE to being there. Nobody cares about making the system WORK, they just care about increasing their profits making bitcoins worth 10k each, 100k each, etc. Completely ridiculous.
There are already few services as you described. For example: Blockchain online wallet.