In fact, that's not nice at all. If the Bitcoin is to be a currency, it should not be viewed as a risky investment or something like that. Otherwise, the chances are null it will become a real player in the currencies market. On another hand, if you are to provide some kind of guarantees to eventual users, you also have to cover the charges for that service.
And at the end, why should someone use bitcoins if they are equivalent to any other trading system? Given the charges to offer some legal guarantees, given the charges to exchange your money into this currency, given the volatility of this currency, why should someone decide to use it in first place instead of any other payment options out there?
Bitcoin is doomed to fail or to become equivalent to any other credit card, direct payment, currency exchange business.