Actually the thing is people already do take care about everything over the web still they do need some extra protection from government because sometimes there could be scams beyond your control or despite of your diligence. Such a stance of Nigerian Government is stopping a lot of people to enter in the cryptocurrencies but they are pretty correct on it because reality is most of the people will rush towards their banks if some scam happens and bank would never be able to trace it because the money is going somewhere beyond their control. Infact this is why people are still afraid of entering into crypto because they cannot held anyone accountable for anything that happens to them. Almost all banks have issued such circulars from time to time.
Crypto world is like signing a death warrant ,immediately you enter you are on your own, the Government cannot save you, there are so many mistakes on blockchain, heard so many people receiving huge bitcoin to their wallet by mistake, the funniest thing is that you can't retrieve it, unless a good Samaritan return them back to you, i misplaced my Steller wallet key with potential token in it I could not retrieve till date.
Such a stand is general and normal for other countries who have not adopted bitcoin usage or crypto into their system. Obviously, the government would always be making such statement and clarifying their position on it, at least; we know of China.
For losing your stellar pass code, well sorry about that. Crypto is business for a very careful mind. And this is why every address to a coin is usually specified for the user to verify before transacting. Anyway, I don't wish to experience that.
