Given that most people's computers are a cesspit of malware, I hardly think that Bitcoin is going to save the masses from theft. In fact, it makes it worse because there's no recourse if your wallet gets sent to an address you've never heard of. In the article's situation the issuer just leans on their insurance and the user doesn't ever see a negative side.
I'm quite fond of Bitcoin, but to say it's usable is a bit much. I feel a lot more comfortable in a world where I am insured verses sorting money in paper wallets and exchanging through websites with crazy security theatre and not much else. The crypto is strong but the community and support is weak to non existent.
The end point is that Nieman-Marcus' breach won't financially effect a single person thanks to insurance, had it been a bunch of Bitcoin private keys compromised then we'd have a completely different, more disastrous situation.
There's no question a lot more needs to be done before cryptocurrencies are ready for mass adoption, but at least a path is now forged for addressing ecommerce theft. Can't wait until a decent hardware wallet is available, precisely for the reasons you describe.
