My bank account is insured by the Us government if my bank fails.
My bank reimburses me for fraud.
Heck I even get rebates for using my card to buy things.
If someone rips me off I can charge it back.
What do all these services have in common?
You have to pay into the system (and pay dearly i might add) to have these privileges Its not a freebie.
Doesn't cost me a cent to have those guarantees from the bank and CC companies. It costs only a tiny fraction of my tax money to have the FDIC guarantee from the government, money I'll be paying no matter what anyway.
The protection are worth every penny, as people getting raped out of their Bitcoins by scammers and shady exchanges are finding out.