nice topic; at least right now there are a lot of transaction who were lost maybe either for a basic error like wrong typing an adress of a wallet. Is really hard to find a decentralized solution for solve these problems, but i'm pretty sure there are some dev who works on it
Perhaps this question is good, but if we are afraid of death, no one will enjoy our altcoin, we should show our wife and children how to trade altcoin, how to withdraw cash. That is the best way you will rest assured. dont worry.