Bitcoin is fine and I personally have absolutely zero ease-of-use issues with it. As such, I personally don't believe that there is any reason to sacrifice the privacy of Bitcoin in favor of making it "easier" to use.
It really isn't that hard and I don't see why people have an issue with it.
You have not seen some of the offerings from the banks lately, have you? We are seeing banking being combined with the Ease of use of
Social media. You can now transfer small amounts of money within a chat session with someone as payment. They are making it very
easy for people to transfer value within Social media platforms, like we doing with tipping in Bitcoin. So they are not sitting on the side,
waiting for Bitcoin to disrupt them, they adapt and improve... something they have not been doing for years.