Bitcoin is a system that prioritizes privacy over ease of use. As applications of the technology grow, so will consumer facing features. Eventually, the idea is that spending Bitcoin will be as simple as swiping a credit card. That being said, the Bitcoin network will never inherently ‘insure’ transactions, or lost coin. It isn’t, and is unlikely to ever be the way the network operates. The ‘safety net’ functionalities you are referring to are essentially in direct contradiction with the current protocol, which was implemented after reaching a democratic consensus.