So there's some flip sides:
1) In terms of anonymity, the government doesn't want the ability for people to move large quantities of money around anonymously. That capability opens up a lot of black market activity that they want to put a stop to. So I think in this case, anonymity is negative for cryptocurrency in terms of its long term viability.
2) Transactions being irreversible is great for the merchant, but what about consumer protections? What if someone buys something and it's not shipped? What if it's defective? What if it's substantially different from what was offered? The consumer is left to beg for their money back or seek legal remedy. Under the current system with credit cards and paypal, it's a simple matter to remedy these issues with a phone call or a few clicks on a website.
Also, addressing the wallet issue: If someone steals loses a wallet or it's stolen, a couple phone calls and they'll have new credit cards in a week. This is precisely why most people don't carry a lot of cash around. Worst case you're out $50 if someone uses your card, but in most cases credit card companies waive those fees for lost and stolen cards. The other difference is that a crypto wallet is more akin to a bank account in terms of the amount of currency that stands to be lost. I would imagine most people carry less than $100 in their wallets.
3) This is too much to expect from most people. Again I would expect a real wallet to have far less to lose than a crypto wallet - especially if we're imagining this in a future where crypto is king. Remember you can also get spyware and have your crypto wallet stolen.
In general people are just not very good with computers. Expecting them to back things up, wall off computers from hackers, etc, is unrealistic. It's fine for people who are into it like you and me, but to expect the averge person who sees a computer as a way to use Facebook to do these things is just not going to happen. Bank accounts and credit cards have safety mechanisms built in that cryptocurrency lacks and are better options for almost everyone. Until that's addressed cryptocurrency has no hope of going mainstream.