Ask HN: What would be needed to make bitcoin accessible for everyone

Bitcoin just stands in it's early stages and still has a high volatility because everyone is uncertain about the future of this new method of payment.

There are still a lot of problems and as stated in this article, we need some killer apps.

http://www.washingtonpost.com/blogs/the-switch/wp/2013/12/09/heres-why-volatility-isnt-a-big-problem-for-bitcoin/

I want to ask HN about what apps/services/infrastructure would be needed to make bitcoin happen? What would the ideal bitcoin landscape look like from mobile payments to saving accounts?