The normal, everyday user doesn't know (and doesn't want to deal with) securing their coins in cold wallets. Once a mistake is done, the money is gone and no one can revert it. And it doesn't seem like the bitcoin community even cares about this problem. Decentralization solves some problems, but creates other problems.
If you want to use BTC, you have to be your own bank, there is no central authority that is in control. I always say that if one is not ready to be their own bank, they are not ready to use BTC, that is not a flaw with the network, if you lose your coins because you do not know how to use a cold wallet or how to secure your funds, then it is on you.
Take note that if you spend BTC frequently, you should have an online wallet for spending on the go, cold wallet is meant to hold the large part of your funds.