> Maybe someone could invent the "FDIC" of crypto in smart contract form where everyone pays a periodic premium but if a hack occurs and there is consensus they

> Maybe someone could invent the "FDIC" of crypto in smart contract form where everyone pays a periodic premium but if a hack occurs and there is consensus they get a payout. Nexus Mutual, and a few other on chain insurance protocols offer exactly this. You pay them some premium, and they pay out in case of losses due to hacks, smart contract vulnerabilities, etc. So far they've worked fairly well, and paid out in hacks like this that occurred.