While it is unfortunate that so much money has been lost I disagree with the solution you want to implement, we are supposed to be our own bank and while this give to us an incredible amount of freedom it also comes with a huge level of responsibility, each one of us is responsible to take care of our coins because once those coins are no longer in your wallet then it is impossible to recover them but it seems this simple truth is lost on most investors since they do not really try to learn what are the principles behind cryptocurrencies since they are only interested in getting quick profits and nothing more.