At the same time, there are people who lost their wallet and RIP to all that potential wealth. And then there are people who had their computer stolen/broken and then just downloaded Steam on a new device and had their games and saves ready to go.

Not that I'm defending centralized services like Steam, because I'm very well aware that companies have happily wielded their power to randomly lock people out of their accounts (like the main subject here). But crypto isn't solving anything either (or at least not yet).