Raising the lower level of bitcoin fluctuation would reduce the risk of fatal losses.
And how you suggest to achieve that? Do you have a plan? It is extremely difficult to achieve in a global market like bitcoin. Had it been a local market, it would have been easier to control the people around it but for a global market, it's impossible to control.
That's where bitcoin is unique from all other traditional assets. It can't be governed by a central authority, it can't be controlled either. It's a free market where anyone and everyone can participate. That's how the demand is determined.