Volatility keeps some people away from btc even though they (e.g. the unbanked) would really benefit from it.
CoinJar has some sort of solution:
http://www.zdnet.com/article/coinjar-pegs-bitcoin-to-standard-currencies/Australian bitcoin company Coinjar has found a way to allay some of its customers' fears over the fluctuating value of the digital currency, introducing a new hedged accounts offering aimed at locking in the fiat money price of bitcoin.
Hedged accounts allow users to peg the price of bitcoin against a number of currency options, including Australian dollars, US dollars, British pounds, and euros.
While the new offering won't actually help alleviate fluctuations in the crypto-currency's value, it will allow users who buy a bitcoin at, say, its current $223.24 value -- at the time of writing -- and retain precisely AU$223.24 worth of bitcoin in their hedged account, no matter how bitcoin value may fluctuate.
If bitcoin value soars to AU$446.48, the account holder would own 0.5 bitcoin, worth $223.24, whereas if the bitcoin value drops to $111.62, the bitcoin owner would possess 2 bitcoin.
So we need more of this?