Currently the first problem is being exploited. People struggle with how to keep a bunch of long numbers safe and wrestle with vague abstractions - hot wallet, cold wallet. People should know better, but they don't, why? Because it's complicated.
People will probably keep losing money for a while because of that, until everyone gets a handle on things. But then there's a much bigger unsolved question though: How will the libertarian thing work out?
In Bitcoin threads the phrase "IF A MAJORITY OF THE MINERS [decides to screw up everyone]" appears occasionally, usually tempered by "...but being all rational, they won't!"
I predict that there will be at least one serious attempt at that during the next 12 months. If the first boom has subsided a bit, and fewer new people seem start with bitcoin, it would be time for a collusion of people who are able and willing to try out that angle.
And please take "predict" not as gloating, but rather as a warning. Are you sure you understand bitcoin well? If not, why not get out now?