Some great responses here. I see the benefit of bitcoin as a decentralized currency and love the idea but most people dont have enough technical savvy to insure their coins dont get stolen. With mainstream adoption of bitcoin will come the desire for mainstream security I believe. I know I would pay a monthly or annual fee for the peace of mind that my coins werent going to get stolen and many others would probably pay as well.

I'm looking for a Bitcoin version of a bank where I could keep my coins in exchange for security against theft and a little bit of interest. The bank would insure my coins up to a certain amount, along the lines of the FDIC. Does something like this exist?