If its a UX issue then are you implying that wallets should have certain security levels that limit their maximum account balance? I mean mandatory multi sig for anything above $1 million.
Because I don't see how else you are going to solve this problem other than by refusing to accept that much money.
There are other options too but, yes, if you want normal people to use cryptocurrency it needs to be as safe as the traditional banking system. Large transactions at a bank will get multiple identity verifications, time delays, trusted third parties handling multistage transactions where physical goods change hands or independent processes complete, etc. need to be tested and on by default because many people won’t think about it until it’s too late, as evidenced by all of the inadvertent 100M USD bug bounties by cryptocurrency companies.
