This is one of the many hiccups and flaws that Bitcoin has and many are unwilling to admit. Another example is that someone non tech savvy can actually lose that amount in a second if they do a simple mistake or forgot a password. If Bitcoin wants to move forward it will need to be more user friendly, offer refunds and make things much more simple for the common user.
bitcoin will never work as a centralized payment unless people are willing to store their coins on something like coinbase in the future, with fully insurance and everything that fiat as and basically you can just go ahead and use fiat at that point
you must be responsible of your funds with bitcoin, i know that many don't want this and this si partially the reason for the slow adoption
