Dash looks to be leading the way on most of these points already, im still a noob but could easily buy with fiat, they are putting out a almost paypal approach.  They are working on a new wallet which as they say "your mum could use" as well as a market.
Still Steem has a one thing over Dash, being steemit which gives the currency a reason. Hopefully something will grow with all the good and made easy for non-techies.  Still im in both as sooner or later BTC will cease to be the crypto reserve currency and someone else is going to the moon =).