I simply meant that the bitcoin as a protocol and the standard client implementation right now pretty much ignores everything else. Some can be fixed on the client but it is not there yet. As an example the wallet is unencrypted by default.

In addition one of the biggest problems with bitcoin stems from the problem it solves. Transactions cannot be reversed, thus making thefts extremely lucrative.

Normal banks simply reverse transactions if they are fraudulent. As an example someone hacked Nordea (Bank operating in Nordic countries) last spring and got away with 600 000 euros. All of the transactions except one were reverted and the missing one was compensated by the bank.