I do think it would be cool if there was some big Bitcoin bank that paid interest.  But then the bank would need to be insured by some government entity and it would destroy the independence of Bitcoin.

Today Bitcoin is a bit like a Star Trek warp drive mounted on a horse wagon.

Im positive that in a few years (if not a lot sooner) securing bitcoin will be easier than pulling out a credit card, while I think its pretty easy, people that aren't very tach savvy have issues. But being decentralized has its benefits and pitfalls.

I was thinking something like this:

"System and method for global access control
US 7818783 B2
Abstract
The global access control system and method presents a solution to synchronizing the physical access devices that federal agencies must try to meet Federal Information Processing Standards (FIPS) 201 requirements. The method encompasses wire and wireless technology, IP Security (IPSec), the assignment of IPv6 addresses to every device, integrating with logical access control systems, and providing a homogeneous audit and control format. As part of FIPS 201, Government identification badges (Personal Identity Verification (PIV) cards) will include an IPv6 address that uniquely identifies every card holder. By assigning an IPv6 address to every access device and using the card holder's IPv6 address, every access device can be used for global access control. Moreover, common and interoperable audit records throughout an entire enterprise (logical and physical) are possible. This unique combination of technologies provides a mechanism for integrating heterogeneous systems to provide merging of physical and logical access control systems." -- http://www.google.com.ar/patents/US7818783

Somewhat Orwellian but for both security and convenience something like that could be used.

Definitely an issue for none-technical people, I made a coin trade (sold physical coins for bitcoins) some time ago where I meet with the person at his place, I brought a couple blank paperwallets, so hi could transfer some bitcoins to me.
I was horrified when I saw how he paid me, he logged into a well known exchange and transfered the coins to my paper-wallet directly from the exhange, and I saw his balance, he had a 3 digit number of coins floating on the exchange. Not sure if he had balls or was stupid.

Anyway, I love the fact that I am in control of securing my own coins.
With a solid encryption and storage of my files at multiple locations, then am I sure my bitcoins are ok, the weak link ofcause is when I want to transfer some of them to my hot wallet, happens luckily very rarely  

That's way too old tech for me. I don't even want to back up my computer files locally! I want it all on the cloud. At the same time other people may want to handle their own security and privacy. So both options should be available for Bitcoin.

I don't know if a personal ID could be added to the Bitcoin protocol. It would be powerful if both personal IDs and ordinary Bitcoin addresses could be used. I would then store most if not all of my bitcoins (if I had any) with my personal ID so that they would be secure automatically. Another person may want to do the opposite and store most of his or her bitcoins with Bitcoin addresses and only a few if any bitcoins with the personal ID. That allows maximum personal freedom and flexibility.

There's a simple solution.

It's called Electrum.

You simply need to memorize a 12 word seed,
and that's all you ever need to get your
bitcoins. 

Simple, safe, and secure.

If you are afraid of forgetting the seed,
you can hide a copy of it inside
an image.

Biometrics and things like that are probably needed. So I admit that it's a tricky and big problem to solve.

Biometric is unfortunate not deterministic, since the human biology is not constant. Therefor is poorly suited for decryption or message signing. Perhaps 10-15 years from now, but the technology and infrastructure is not ready in its current state.