If you are serious about your funds, keep them in an actual digital wallet,
fortify your OS, and you should -hypothetically- never lose them.
People don't have to have any kind of technical knowledge like that to have their fiat currency be safe in a bank. And each USA fiat account is FDIC insured for $250,000 even if the bank owner makes off with the money.
There is a fundamental and legitimate issue with cryptocurrencies. The private keys must be kept safe. Keeping them safe (and even understanding what they are) requires more knowledge of computers than it does when dealing with standard fiat currencies. This is a real barrier to wide general adoption.