major exchange like coinbase will be the standard, they will offer insurance but in exchange they will trace you to death
personally i will avoid this, bitcoin is semi-anon at elast and i don't want to destroy even that tiny anonimity that is left with it
and i hate taxes
This is why they got allowed by the US government, because they comply with every request they request from them. On the other hand, btc-e US deposits have been cut. It's simple as that.
Then again this is the US government. They are freaking control freaks!