My advice would be: treat your coins like you treat fiat money in your bank account or in your wallet. Bitcoin is not some "monopoly funny money" you have to be really cautious to keep it safe.
Yeah, if you value your bitcoins then you have to treat it as if it's part of your life. Those that haven't been hacked, then that's good and I am one of those that luckily never had been a victim of it. Maybe with the background of knowing how to protect myself and I am not curious with those random emails, spams and messages that I get that I know that I shouldn't click because it could contain some virus or malware or any sort of that really helped me.If you have lost your coins, you shouldn't blame Bitcoin because "non-refundable", "unsafe" etc but rather blame yourself you couldn't keep it. 
That's right, it's like protecting your own bank just as what we know what it's like to be owning Bitcoin. There's no other people that should be responsible for keeping our own bitcoins but us.