[bobbygoodlatte]

Coinbase 2-factor auth plus their long-term Vault storage is plenty secure for the general population.

[bbcbasic]

Or even better a checking account.

[ThisIs_MyName]

Yeah, if you're ok with a third part like Coinbase holding your money, just use a bank. That's what banks are meant for!

[cloudjacker]

they exist.

third parties offer USD denominated checking accounts, that don't fluctuate in value. They offer visa debit cards, I think there is a credit card but not sure.