You can only be responsible for your own security. Everyone needs to take their own precautions with their own coins, but you also need to do your own research on the companies you trust with your money. Obviously you're always going to need a little faith in things like exchanges but you can minimize the risks by either just choosing legitimate ones who themselves are insured or have proven top notch security practices but also only keeping minimal amounts of funds on them and just when you need to use it. Those two things alone can minimize any potential loses.