If someone hacks your wallet and steals your coins, there's no central bank to call to help, they are gone. But if ...
The only question remains “what do we want?” Centralized with better security or decentralized with feeling of better freedom? I guess time will tell, perhaps soon it will change this whole crypto issue. Perhaps there will be companies such as exchanges offering insurance if anything happens to crypto. Remember we are at the beginning of crypto. Anyway, the first rule of cryptocurrency security is if it can be stolen, it will be stolen. $400 million in NEM gone. As digital assets attract more mainstream attention and value, more thieves are innovating ways to steal them.