We're putting together a how-to guide to using OpenLedger and BitShares right now so keep an eye out for that.

Trust me, I understand and share your frustration with some of the shortcomings of cryptocurrency usage for the average person at the moment. The main bottleneck for the whole industry continues to be usability. Here are a few things happening in the OpenLedger/BitShares arena that could/should improve this in the near future:

• OpenLedger's OCASH payment card, which will allow users to fund a debit card style payment card with cryptocurrency. There are many companies working on this but it is a regulatory nightmare (presumably because banks don't want to give this marketshare up)
• BitShares (BTS) listing on LYKKE wallet will facilitate fiat withdrawals (currently only open to European users)
• Scorum has developed Atomic Cross Chain Transactions for Graphene-based blockchains that, once implemented with a straightforward UI, will allow users to swap cryptocurrencies directly for others without going through exchanges.

These are just a few aspects out of the hundreds, if not thousands, of projects in the cryptocurrency space that are working towards making everyday use of cryptocurrency easier. Unfortunately, when dealing with financial systems, there is a significant amount of pushback from regulatory bodies around the world, so these developments will take a lot of time to implement on a global scale.

Thanks for being interested in it and we'll continue our work towards solving the issues you've raised.