Yup, and some people crash their cars, and some people accidentally burn their own house down. Most people have figured out how to deal with situations like what you mention. People who have trouble following best practices are going to have a hard time, but that's no different than status quo.
And when that system of institutional safety measures fails such as someone being swindled into sending all their money to a Nigerian prince you get news stories that ask why the institution isn't liable for the loss or doesn't have better safety guards.
