I believe Ethereum does just that. However someone seriously needs to build a UI that people can understand an use. Until that happens your every day person wont be using cryptocurrency any time soon.

This is why it is said that cryptocurrency is still in it's very early stages.

Ethereum is working with rather large companies that create software etc for these exact cases which is why I have high hopes for it in the coming years. POS early 2020 is just another reason I am bullish on it.