The nice thing about crypto is it is a voluntary association, and you can leave if you disagree with the group.
This is exactly my point. Some people want a safety net, some don't - even if they face such an extreme abuse as you described. Brushing off those people and treating them with contempt (by calling their attitude a joke) does not bring any value to the discussion. It's their choice and their freedom to take the risk. The crypto-space is big enough to accommodate all needs.