This same question was asked in the early years of commercial aviation. In the end, the industry (mostly) settled on aircraft designs that could passively glide reasonably well enough to land (sometimes). But some aircraft, e.g. military jets and Cirrus, came up with different answers (parachutes for the crew and for the whole aircraft, mostly).

We'll see how the commercial spacecraft industry deals with this, but I do think that we are at far too early of a stage to start expecting progress in this area. The first few decades of commercial spaceflight will be dangerous just like the first few decades of commercial aviation, or for that matter the first few centuries of commercial shipping. The answers, varied or uniform, will be interesting and I hope that I'll be around to see them.