all that is needed is services or even simple code to make a signed TX.. then the only thing that is needed to do online is PUSHTX
EG
if i input a privkey(from my paper wallet), a destination public key, and an amount to send. the opensource javascript (no server side processing) forms the TX and then puts it into a textbox or variable. which then can be sent to multiple relays such as blockchain.info and mining pool nodes
that way people dont need to have accounts and pre-deposited funds in third parties. they dont need usernames or passwords. all they need is their privkey, and 2 destination addresses (1 for recipient, 1 for change address)
I'm sure not everyone would want to go through that process for every transaction, or know how to for that reason for an average user like me. As the Bitcoin community goes that will include not so tech savy people too, so us not so tech savy people can have top of the line security without responsibility on us.