If you have visited the new web wallet and you can't figure it out sorry but you don't belong here...I'm pretty good with ui and I've been a software engineer for 15 yrs(take into account all your avg joe scenarios). Looked fine for first pass. let's see how it is on dry run.
Yes, that's the problem, engineers are notorious for making hideous UI's. They don't even know what words like negative space mean. If you don't want floating point rounding errors in your financial app, then you need a software engineer. If you want the UI to feel functional and not strange, then you need someone with graphic or design experience. The current wallet takes up an enormous amount of screen space for next to zero functionality.
This is more of what the screen should look like when you log in. The overview screen in the current UI, like I said, is useless. Every page that you want to access in the program should fit into tabs in that left box (curent list is a dummy list). You don't need a top menu and a side menu. You could also get rid of the settings widget thing at the top right and place a settings menu in the box on the left side since it makes it less cluttered. The "memo" button on the transactions area would open a pop up that centers full screen. The "Recent Transactions" text could also be a drop down menu to select between incoming, outgoing, and possibly address book as a 3rd, then you just scroll up and down. The address book would obviously be used to auto-fill the "send to" box. The last technical hurdle is you might want some tab options to take up the entire screen real estate without having the box on the left side of the screen be there. To do that, you could just add a toggle button to the top right corner of the screen make the menu box on the left show or hide to gain or lose real estate.
edit: You could also have the screenshot I showed function as sort of a home screen, then when you click certain options on the left menu, it will launch into a screen without having that menu on the left side, then you would just use a back button to exit that screen and get back to the menu.
I'm not the best graphics guy in the universe, but I do have some experience: