Regarding raw addresses, I would encourage you to look into the payment protocol (BIP70). Once that is widespread (it is already implemented in some wallets), t

Regarding raw addresses, I would encourage you to look into the payment protocol (BIP70). Once that is widespread (it is already implemented in some wallets), the average BTC user will never have to worry about raw addresses, without the downside of having to route everything through coinbase. As a plus, the UX is IMO, better than that of typing in a CC number.