$120 for a wallet?  And it requires specific hardware set up.  Doesn't really solve 1 of the 3 problems I mentioned without adding to it.  Try again. 

I'm not saying these things aren't coming down the pipe, I'm saying that as of today, the seamless way of getting BTC, managing a wallet and then using BTC is not yet here.  There is a setup cost that non-technical people just won't pay to get rolling with it.  It just has to be simpler for the masses.  I think Bitcoin will get there, and sooner rather than later.