Take advantage of what's available out there and that's it. That has always been the case, anyway. You keep your money, you deposit it in the bank, you ask a loved one to save it for you, and so on; things could still end up the way you dread of.
I have hardware wallets, I wrote my backups on pieces of paper and kept them in separate locations, I have steel backup as well. These are probably great ways to secure my Bitcoin. But they still don't guarantee me that I won't lose them. But at least I've done my part to keep them safe.
You know what the harshest truth is? Majority of those who have Bitcoin don't even have the private keys with them.