The wallet providers just need to enhance their wallet and make it more userfriendly. If we go mainstream, we will get tons of more dumb people, that need to be warned before doing something stupid.
How? Like a bank? The bank controls your money, and if you lose your password the bank can send you a new one? I don't like it!
Wallet software tells you to keep backups, or "write down the 12 words". You can't blame the wallets if people ignore all the warnings.
The whole idea of Bitcoin is that you are in control of your own money. Being in control includes being able to lose everything if you mess u.