Forgive me if this idea has been floated already.

Friction is the enemy of adoption, and my first BitShares purchase involved way too many steps. A good way to reduce friction would be to offer a decentralized web wallet that integrates seamlessly with a centralized exchange. You go to the wallet, set up your account, and then immediately enter your credit card number and fund the account. When you want to cash out of your position it's similarly bridged back into fiat right in the web wallet.

Getting a little crazier, there are more things you could do with the centralized component, like offering social integration that makes it really easy to find and transact with friends.

How can the power of this system be packaged in a maximally convenient and approachable way without compromising the core ideals?