One thing that we should have is a "cool down" period. If you want to regain access to, say, your GMail account, then it will take 48 hours of waiting, and phone calls and emails will go out to your contacts before that is completed, so the real person has a chance to protest.
I don't understand how the MacBook data was permanently lost. Even if the files were deleted in the OS, they are recoverable by disk utilities. Unless they were encrypted. Which just goes to say that when you think the solution to your problem is encryption, you don't understand your problem.