Assuming that in the future most businesses use crytocurrencies (which I think we can all agree on would be awesome and better than what exists), they will need

Assuming that in the future most businesses use crytocurrencies (which I think we can all agree on would be awesome and better than what exists), they will need to be able to access their money even if they make a mistake. We're not taking money from you or I and giving it to a failing institution (a bailout). We are setting up a procedure so that when mistakes are inevitably made, someone can still access their funds. After all we all agree it is all of these company's funds, right?