Digital wallets - consumers hate them.
Normal money is all digital now, but ironically USD is more virtual than Bitcoin, because it can be created at whim.
An online Bank of America checking account is little different than an online MtGox account, accept that the former will give you a debit card and a credit card. How long do you think it'll be before Gox is offering the same?
The difference being if I lose my password to my BoA account I do not lose all of my money. I lose my BoA issues debit card I do not lose all of my money.
I delete my Bitcoin wallet file I lose all of my money. There is no recourse.
It would take Gox millions to become certified to become PCI compliant and handle PII data.
Just read this article on Dwolla for mor einfo:
http://www.businessinsider.com/this-28-year-old-is-making-sure-credit-cards-wont-exist-in-the-next-few-years-2011-11