This is a major problem in my opinion. It's a problem in with traditional businesses too. Some countries address it by requiring minimum capitalization to start a business. (China, Denmark)

Because the barrier of entry to start a bitcoin business is so low, it is really easy for scammers to open "businesses". But that's only part of the problem. The low barrier of entry allows businesses, even those with good intentions, to enter the market undercapitalized and underinsured. With minimal investment in a business, the owner really doesn't have much to loose if they want to fall off the face of the earth when the going gets tough unfortunately.

 Another problem is lack of insurance options. When I started my site, I looked into ways I could possibly insure my it. Unfortunately, the closest thing I could find was digital intrusion insurance, but the policies were only concerned with damage to systems and loss of privacy information, not loss of digital assets, like bitcoin.