But Cyrpto does need some protection from hackers. The masses will never adopt it fully until they feel there money is safe. And no matter how much you explain how much safer it is than at the mercy of institutions people just won't believe it. Because lets face it, People are generally morons.
Crypto community must be ready for the time (2015 looks very probable as a start) when bank bail-ins start happening on a big scale (Cyprus was the early bird) and to offer people alternatives in the form of cryptos, emphasizing that cryptos are decentralized and are a safe haven against bail-ins. That's one of most likely reasons the adoption can quicken pace. Not by everyone. Many people will take a 'haircut' of their deposits in the bank and hope it will not happen again, till the next 'haircut' and so on, until their entire savings are nullified.