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IMO, characterizing cryptocurrencies as either "the future" or "a passing nerd fad" is going too far. I expect they'll be with us for a long time, though they'll remain largely a nerd thing.

As for these online wallet services that keep getting hacked, taking the money and running, or otherwise failing... trusting your cryptocurrency to some random website is pretty much exactly like trusting your cash to some guy standing on a street corner with a sign declaring himself a banker. And, lest any object to "some random website", I must point out that "most users of FooCoins use BarExchange, therefore they must be trustworthy" is exactly as stupid as it sounds.

I think it's clear that, at least for now , if you're not enough of a nerd to be able to store your own wallet with enough encryption and redundancy to keep it safe from theft and data loss, you shouldn't be using cryptocurrencies for any sum of money that will hurt to lose. Wait till either they become popular enough that sufficiently-trustworthy-and/or-accountable banks or bank-like entities offer cryptocurrency-denominated accounts, or until some crypto-genius finds a technical solution to the problem of letting an untrustworthy entity keep your money in such a way they (or someone who hacks them) can't spend it.