What's missing in the crypto world ?

As we know, recently there is a big problem of hackers and stealing
deposited coins, mainly on exchanges.
Therefore I believe there a need in deposit insurance, like in
banks deposits.
This will enlarge investors confidence and allow bigger investments.
The insurer will probably earn since on average they get more than the pay,
and also the exchange will benefit.
This will make the crypto world more main stream and we all earn from that!