You've never met a bitcoin user or tried to use it yourself. Most people whose bitcoin are not incredibly tech savy and set it up in minutes on their smart phones.
https://www.reddit.com/r/Bitcoin/search?q=lost+wallet+help&r...
One of the great things about banks is that the transactions are reversible. People click the wrong button all the time, and they call up their bank and say "oops, please fix it".