As far as I know, there hasn’t been any widely accepted plan or consensus to update the bitcoin protocol to replace lost bitcoins. I mean, we might think of it as a gift to the community as a whole. though you will truly regret it because the money you would have received was wasted and you ended up losing it. In order to protect your account and ensure that you can easily remember and recover it, it is advisable to put your private keys or your bitcoin password somewhere where you may also store other crucial account passwords. I personally prefer to take notes in my notebook rather than save any sensitive data on my laptop or mobile device since I worry that someone could gain access to my belongings and be able to hack them.