Coinbase QuickPay
A dropdown of popular companies. Select the one you want then enter the amount you want to pay this company in USD. A confirmation screen comes up asking you "Do you really want to pay $X dollars to $COMPANY ?" You select "yes", and from there coinbase does whatever it takes to transfer that value to that company. Completely hiding any concept of bitcoin. Of course, you'd have a QuickPay transaction history screen where you could select "Technical Nerd Details" on a transaction and see all that bitcoin stuff; but initially the transaction history will look just like your bank's transaction history. Showing just the companies, dates, USD amounts. I guess there needs to be some kinda one time email-verification between the merchant, coinbase and costumer at the beginning to prove which payments are coming from who. Coinbase would have to put metadata on the transaction; like maybe a hash of the email address or something that $COMPANY could verify on their side.
Then I guess USgov gets banks to cease processing ACH from coinbase.....