We need multi sig software that allows a department to have funds which trickle down to an employee being able to pay for things that they currently pay for by writing a check or getting permission from their boss to pay for. It simply does not exist.
I think that we need an entire new way of working that fits in with the decentralised nature of Bitcoin - CIYAM Open is a vision for this (with Project Managers who pay Contributors to deliver Project Tasks and where there is no formal "job" at all).
I had read an article by a "futurist" around the same time I was learning about Bitcoin who thinks that "in the future people won't have jobs" but will contribute their skills to many different projects as small paid tasks.