It is far to unsafe to store any real wealth in for the average person.
I'm an average person. I've been using Bitcoin for over 4 years now. I've never lost a single coin.
All it takes is some responsibility. I learned enough (common sense really) to realize that private keys were the "key" to security. After that, it's child's play.
Create secure private keys offline, keep them offline, and your bitcoins will be quite secure.
Learn a little bit about shamir's secret sharing and you will have an asset that is more secure than any traditional asset known to man.
Data is easy to copy, so do it!
There is reliable, open source software which will accomplish all your bitcoin security needs without any additional education (beyond the basics I just mentioned) for the user.
So... I'll rephrase your post as follows: It is far
too unsafe to store any real wealth in for the irresponsible, ignorant, unmotivated person. As it should be.
To be realistic, no you're not average. You're quite bright. On the other hand, the average person may be reasonably responsible, but is relatively ignorant and unmotivated. Sad but true.