So after what seems to be a very long year successfully trading Bitcoin and Litecoin, and as an entrepreneur myself, I've noticed some big flaws with Bitcoin that need to be addressed. First, I believe if we want to accelerate crypto-currency adoption, we need to do what Bitcoin actually claims to do, remove the middleman fees. Acquiring Bitcoin as a first timer is a big nuisance, it's uncertain and it's more expensive than it needs to be. Now to the new middleman, some may respectfully disagree, however, I feel we need to scrap the current brokerages by replacement. The Bitcoin community has a plethora of talented developers, ones that can be easily funded by donation. Why the hell doesn't a group of real Bitcoin believers make a brokerage that is non-profit, trustworthy, global and close-as-it-can-get free to use? Bitcoin adopters and newcomers are being milked for 2-3% by middleman brokerages, ATMs are charging 7% on each transaction, exchange are making millions, this is all WRONG. This needs to change. There really needs some action, I can't stress this enough, I've paid more money to Bitcoin ATMs, local dealers, exchange websites than I ever did to the fiat bank. The second aspect that needs to change is the implementation a much more heavily secure method of online and offline storage. I see a new post every single day that is painful to read, posts from people losing their coins either by malware or accident. Bitcoin is not suitable for 70% of the population (the elderly, computer incompetent folks, people without internet, etc), I hate to say it, but someone needs to create a Bitcoin bank that is non-profit with a very large and qualified team in the board of directors who share a goal for the greater good of Bitcoin. Bitcoin Debit, Bitcoin credit with fees potentially, and etc. Doesn't mean personal wallets won't function the same just to note. I suggest the Bitcoin Foundation take part in the initial recruitment, development, planning and donation side of these matters. Thanks for reading. Also, I feel that localbitcoins.com needs to really place some limitation on those margin percentages their members are charging. Newcomers that don't understand the online brokerages are having their heads squeezed for anywhere from 5% - 20% a transaction, to have an easier experience in person. Sickening. And these people are HIGH volume.