The barrier to entry is a good thing, kind of a safeguard for new users. You are storing real money on your computer, you need to be able to keep that safe. I'm

The barrier to entry is a good thing, kind of a safeguard for new users. You are storing real money on your computer, you need to be able to keep that safe. I'm sure someone will offer banking services in the future to solve this "problem" and make it work like any online account, which just happens to be denominated in bitcoins.