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I worry that the correct analogy is:
Typing a password every time you use your bitcoin wallet is like putting padding your car's steering wheel instead of wearing a seatbelt. It might make you feel safer, but it is a false sense of security.
Good security is hard. If you're not computer savvy, then you've probably already got spyware and trojans on your system, and running bitcoin on a system infested with spyware and trojans is a bad idea. Period.
I think an online service that takes care of wallet security for you is a much better solution for non-geeks like my mom.
All that said: As my personal bitcoin wallet gets more valuable, I get more nervous. I would like to be able to export some of the value in my wallet onto a USB thumb drive and then put that thumb drive in my safe deposit box (along with a backup, gpg-encrypted copy that I'd keep in the fire safe in my basement).
Another analogy: I keep most of my money in the bank; I don't have piles of cash or gold in my house. I will do the same for my bitcoins, keeping only enough in my online, connected, possible-to-hack wallet to use day-to-day.