There's clearly a demand for people having their old-school credit card or equivalent on their phone and debitable wirelessly. I personally find that more risk

There's clearly a demand for people having their old-school credit card or equivalent on their phone and debitable wirelessly. I personally find that more risk than benefit, but traditional banking's security mechanism seems adequate for many people. If crypto currencies cannot offer the same level of convenience/security, then how can they compete in the mass market?