I think you're painting, as you often do, an overly negative picture of the current state of affairs. I've never run into anyone so helpless as you describe, at least anyone who is at all interested in reasonable sound quality. Tens of millions of people order products online from Amazon and thousands of other companies. iTunes is easier to use than an old record store.
Non-geeks don't care about stereo beyond 2.0, and most of the surround equipment sold today by volume is pre-packaged stuff in one big box complete with color-coded cables. For the truly inept there's Bose, and Bose sells a lot of equipment. For the upper 10% buyers there are home theater companies that design and install everything. Below that there's Geek Squads and their competitors.
The average Polk or JBL system I've heard at Frys sounds better than I remember Advent or AR speakers ever sounding in my youth. The old stuff generally sounded like crap, unless you were really into audio as a hobby and bought the good stuff, that cost a lot more, inflation-adjusted, than electronics and speakers do now.
I stand by my original statement, the good old days in audio are now. And it's not just reproduction. My $200 Tascam handheld digital recorder, with built-in mics no less, produces better recordings than my cherished, built in Indiana, Crown CX822 running at 15ips on 3M 456, though I'll grant you that my old Calrec Soundfield beat the built-in mics in the Tascam.
The funny thing is, even dinosaurs can still have their way. You know as well as anyone, Quad is still selling electrostatic speakers, companies still sell tube electronics, and every third person I run into is buying vinyl again [barf].
Maybe you should prescribe yourself some Prozac...