If you are not able to handle your own safety online you have no place at steemit as it is right now. This why the beta is still on. Majority of people are not going to survive in steemit there is nothing to be done yet for them. Steemit is not made for people of the likes it might take a lot more time to become a safe place for people that can't handle to keep their keys safe. We have way bigger problems than babyseat them. Still though there are some steps they can follow to claim their accounts back.

And they are not losing money they are losing virtualtokens with arbitary value. And maybe their time.