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I've never used BTC, but is there not ... cloud storage, or a remote backup, or some sort of failsafe? The situation you describe just seems to obvious for there not to be a workaround.Let's just poke at one of the problems: loss of currency and the ability to inflate. Currently, if I have 100฿ in my wallet and that is lost to technical error (I misplace my USB drive, my computer melts down, etc)
There are a number of approaches. You can actually even have a paper wallet. Putting it in a safe deposit would be pretty secure. But, real security would be someone that insures wallets. Not there yet, as far as I know.