Those are risks we face venturing into the unknown. They are part of any venture.
A similar example, when computers started to get mainstream, some companies started to have their files in digital format. What happened if a hard drive got faulty, or someone accidentally kicked the pc on the right place, or stolen files, hackers, etc. Risks...

Yep, it may take a few years to get established, hence why most of the growth happens at this stage. It's really the easiest time to trade.

There are also ways to have your tokens elsewhere. Having a dedicated machine with all the wallets isn't a bad idea.