When and if something happens is not a concern of yours.
I’m talking from personal experience where someone was very irresponsible and lost a significant amount of coins, and then I was the one who was most responsible for it - because I made someone deal with it at all - it’s that classic accusation
“that you didn’t mention Bitcoin, I wouldn't lose money". I paid a loss out of my own pocket for someone not to blame me for something my whole life, but this is the last time I will allow myself something like that.
I will not exaggerate if I say that from my personal experience at least 90% of people are not ready to be their own bank, and anyway they are only interested in how to profit, preferably in a very short time.