The majority of crypto collapse always comes from the centralisation part and of cos the human greed, what do you think is the proper solution for these? To avoid hurting crypto investors and how to guarantee that their funds is safe with any platform, either Staking, Lending or Trading.
As a end-user? You can't do much about it where the only job for you as a end-user is to invest, the only thing to do is just be selective on what projects should you invest next.
Also there is no way to make funds "guaranteed", since the amount of coin you do in those 3 activities will be different at the end and most of projects using staking as their main project probably end up failing because they keep setting high APY where if you filter it with clear mind then it's not going to be true at all.