Is there a plan for dealing with theft/fraud?

As a consumer, this is BY FAR the biggest reason why I would never, ever, use a crypto as an actual daily currency. People laud the decentralization of crypto, but in my view its actually it's greatest weakness. When someone steals my wallet (physical, brown leather) and blows through my credit cards, I get to call the bank to report the fraud and get my money back. Someone steals my crypto wallet/key, I'm just sort of SOL, and that's a really, really big fucking problem. Or even just crypto as an investment this problem is true, maybe even more so considering the larger nature of investing. There's just got to be some form of recourse for people when it comes to theft/fraud and as far as I can tell (tell me if I'm wrong), there is little to none.