As Kevin Bacon put it in Quicksilver, "What happened to all that money?" "Nothing happened to it. The money's still there. It just belongs to somebody else now."

Not sure if "understood the rules of the game" is doing a good job here. Using a hardware wallet is almost as close as you can get of a cryptocurrency user understanding all the rules of the game. They are following the "gold standard" of security for personal usage. What else should we expect them to do?

So after all that, still gone?