Let's say bitcoin has been widely adopted, the wallet.dat containing Bill Gate's net worth crashed (because his misplaced faith in Windows) and there's no way to recover the file; his foundation need this money to pay 10 million children's medical bill -- in another word, there's catastrophic/extraordinary consequence if the money cannot be recovered -- should there be a mechanism to deal with this kind of situations?
It's called backing up and encrypting it.
sorry but the dumb operator has been backing up the wrong file ... a low probability event, just wondering what if it really happens.