What you're describing is basically an insurance mechanism. There is no reason you couldn't implement the same for cryptos. But at least under that explicit fra

What you're describing is basically an insurance mechanism. There is no reason you couldn't implement the same for cryptos. But at least under that explicit framework, those who had not participated in that scheme would not have to pay the risk premium associated with it which is currently incurred by fiat holders whether they like it or not (under your scenario).