Well, one company is heading in that direction. Goldmoney has created a savings and payment system where you can send and receive gold. Just like PayPal, but the transactions are in gold. You can also load a free provided debit Mastercard (by converting aome of your gold into fiat of your choice) and use that for any purchase where MC is accepted (buying groceries, gas, etc.). If you have an online business, you can set up a shopping cart/payment button and be able to accept payments in gold (dollar value converted into gold deposit into your account). Great thing about this is that since we are in a long-term gold bull run, your account will increase in value. I created my account about two months ago and my account value has risen already by 17%. What bank would give you that kind of return for your deposit in a couple of months? The ability to send payment is currently not available in the US, but they're working on it. But I'm using it primarily for savings and safe haven from economic uncertainties, and any accretion in value (in dollar terms) is just icing in the cake. Plus I have the debit card available in case I need it.

Here's the link where you can learn more: http://Goldmoney.com/r/MkNa3t
(full disclosure: this is my referral link. If you sign up when you click through this link, I will get rewarded with a few grams of gold into my account. If you don't want that to happen, you can easily google 'goldmoney').