What about having services which allow people to access their wallets remotely?
Someone already tougth of this entirely new concept and put it to work: you can find it on the net, it's called "bank
And over the last 12 hours we've just seen how much you can rely on a 'bank
You don't think the market will drive competition towards stable, transparent and insured bitcoin banks/wallets? Come on that will be one the first thing that develops along with more exchanges.
But that doesn't really help the scalability problem/non-problem