The amount of processing power to generate a block is also becoming cheaper and cheaper though, is it not? So the cost of maintaining the system should go down drastically as time progresses since it doesn't rely on paying salaries or renting real estate and the system lives entirely on personal computers which are one of the few commodities in life that continue getting cheaper each month.
What's wrong with keeping multiple wallets around. Have like one on a seldom used laptop and one on a regular desktop. I understand it's free to transfer coins from wallet to wallet so even if one gets stolen, most of your coins will be in the backed up wallet.
In fact couldn't you just keep perpetually sending coins to a wallet that isn't even online and it still gets credited?