I think according to BTC security policy there is no come back for lost coins. This rule also important for money's first rule: "scarcity". Scarcity makes btc valuable like real gold.
If you have access to the private key, either through writing, memorization, or otherwise, it is possible to recover Bitcoin. it is even possible to recover a private key with the last 2 missing digits, as long as you aim to brute force your way into the wallet. Past that, it is either luck or a lot of computing power.
I can put 100 BTC on an HDD and smash it over and over again, I can just pull up my account on another computer as long as I have the private key.
Oh the wonders of blockchain technology.