That is the current state of affairs, but I don't see how any of those issues is fundamental, or should be extrapolated to 'ultimately'. Sure, BTC has a different risk profile from a bank account, or gold bars under your mattress, but if it keeps up the current pace, there will be dead-easy methods for cold storage and safe, hardware based wallets commonly available soon. People are working on those already (see for example http://bitcointrezor.com/)...