I am hopeful that someone will come up with a simple way to purchase bitcoins with a credit/debit card.
I am looking forward to those BTC ATMs people are working on... I am tempted to deploy one in my local area and list it on localbitcoins
But back to your main point, I agree. When purchasing with bitcoin, sending funds overseas etc, the exchange rate at the moment is irrelevant. As the market cap increases, the price *should* stabilize, and will lead to more vendors being comfortable accepting it. An big step would be an entire BTC economy at some level (Even if a small one) where the exchange rate really doesn't matter so much.
I feel we'll eventually get there, and from there BTC will gain adoption quickly.
Bitcoin is not so user unfriednly, except for getting them to start with. When I teach new people about it, after it clicks.. they've all said, wow, it's so easy, it's awesome. The concept is solid.