The question is very interesting.
In my opinion it is a matter of adoption. People are trained to work in exchange for colored pieces of paper. They are accustomed to it (although they protest this custom).
Now comes a guy telling you to
1) go to a website (fine)
2) download a program (fine)
3) install the program (ah, hm, well, ok)
4) keep your antivirus up to date (what is antivirus ??)
5) secure your wallet.dat (my
WHAT ??)
6) backup your wallet after creation of new private keys (whose
private parts 
?)
7) tell your employer to pay to account number (what is that funny string meant to be ??)

not to turn your pc off but to let the bitcoin program shut down properly first (

)
9) think about wallet security (what ??)
10) update the bitcoin client once in a while (aha ?!?)
and finally, when the money is stolen or lost, that it is your fault since you did not properly backup your junk or kept your system secure.
Ok. I'd also rather have my colored pieces of paper.
We must solve the usability issues of Bitcoin for the end-user, who is not a computer person.