Crypto used to be a purely technological problem, which means if you have a secure cryptographic lock in your bank account and someone steals it from the bank,

Crypto used to be a purely technological problem, which means if you have a secure cryptographic lock in your bank account and someone steals it from the bank, the bank is responsible to get it back to you. But with cryptocurrencies, it's not just about technology but ties into other issues that normally have been tackled on a social level. So in this case there is no "bank" you can complain to or no one to sue. Of course, you could say Ethereum as a whole can do a hard fork just for this, but that's another discussion altogether.