The "old insecure system" is user friendly whereas bitcoin isn't. That old system is insecure by design, it's built that way so that all the people that are constantly losing and forgetting passwords aren't constantly being locked out of their money and for all the people that are constantly getting phished, breaking devices, and getting malware they aren't at risk of losing everything with no recourse. It's a trade off between usability vs security.
Bitcoin as a direct payment system is unlikely to take off because it's astronomically more unforgiving for the masses that are prone to all those failures. These third parties exist because the market wants them.
but you forget that to a small to mid-sized company, there is virtually no difference between a state currency or bitcoins-- The macro-economic differences between the systems are irrelevant to a... credit company... for instance-- These sorts of companies are really where the user-friendliness of the current system comes from. Companies built on top of some existing currency system, taking risk, and providing credit and services.
