Wow, I am so surprised that you have taken a fantastic decision which is going to guide and help you throughout your journey in the crypto sphere. Many of us had made this mistake of investing in a crypto projects and finally it crashed making us lost severely without even the help of the government.
The government moat can not help us to recover our lost funds that is why we need to be very careful about how to make decisions on the kind of crypto projects we will like to buy in respective of the exchange that owns them or the project team. We all need to stick with Bitcoin because it is the only reliable and trusted cryptocurrency.
You are responsible for your investment decisions in bitcoin or altcoin without government influence. I don't know why you would want insurance from your government when a project fails and you lose money. You should never blame your government in the failure of your investment, in my opinion that is not right because you are the one who makes any decision that has passed analysis.
You can't expect the government to responsible for your loss when one of the centralization projects scammed you. That seems impossible to me, and that's why you need to consider an asset that you have complete control over and that is bitcoins in your wallet. The government only takes advantage through taxes without insuring your losses.