sometimes decentralization is sucks , you know what ,
you have 100% responsible on anything happened to your money ,
for example when you lost your money because hacked or any other technical problem noone will help you ,
so it is sometimes worth more than just money but sometimes horrible.
Now that is all on you, even if you have fiat and you are keeping them at home and someone robs them, who would pay you back for that? That is what the case with bitcoin, you are your own bank, you are keeping your money to yourself so if they are lost no one would be responsible but you.
I couldnt resist myself from quoting this famous dialog, With great power comes great responsibility so that the bitcoin. You are holding something very powerful and you are also holding the responsibility along with it so one cant blame anyone for the any damage or loss. We have to take care of security of our holdings and no one can actually help in the case of bitcoin loss because if private keys lost and there is no backup then there are very least chances of recovery of those coins.