Actually no one can steal cryptos without the owners who made mistakes whike storing their private keys. So the actual owner is responsible if he ever lose his crypto assets.
You mean he's responsible for accidentally going to a banned site and picking up a Trojan or malware, who grabbed his private key in a way that's not known at all.So we need a million protections before we can access our money.I think hackers are still responsible for theft and we for negligence.