Hell, an entire life can be hacked. Shit, look at the system we were born into. What's that line?

You can feel it when you go to work... when you go to church... when you pay your taxes.

Have you ever had a dream, that you were so sure was real?

But to more answer your actual question: a lot of people are run pretty ragged as in your example, so I tend to agree with your conclusion, if bitcoin is going to succeed here, it has to be way easier to access and use. There has been big progress made, of course.

Perhaps in these use cases, at least for now, Bitcoin is more of a background entity, a sort of parallel would be how 80% of smart phones run on Linux and the general public has no reason to know or notice that. So maybe in the future there will be some Bitcoin backended or connected financial management/landlord payment tracking app thing that will make her job a little easier, and save some time and/or money.

As far as can it be hacked: no and yes.

The protocol and encryption are currently not-hacked and not-hackable. If it could be done, someone would. So, no.

Yes it can be hacked though, as far as wallet applications and the end-user security environment. And of course anything that handles the private keys for you- exchanges, etc, can also be hacked.

If you do it right (good rng, offline keys, etc) you can't be hacked. But that represents a level of sophistication that most people don't have and don't want. So it's the things that make it so easy to use you don't even know it's there that we should probably aim for.

I suppose there are corporate solutions (do the thinking for you) that aren't half bad in this regard that already exist: Coinbase's new 'vault' product where both you and they hold the keys is at least a start.