If you don't want it to work that way, you have a simple solution, dont use margin to trade complex financial products.
Look, i get where you're coming from, but the fact is that these are complex financial products that most people shouldn't use.
They are risky, and have non-obvious mechanisms inherent to them that make them dangerous, thats why he had to take a test before being allowed to trade them.
This was a depressed man who was trading in highly leveraged products and got spooked when he tripped over one of many stumbling blocks, and immediately killed himself over it.
Its a sad story, but there was no negligence here, and nobody to blame but himself.