I hear you (and that's good advice) but if I lose my wallet somehow, no matter what, my money will still be in the bank. Even if someone uses my bankcard I'll still get my money back. Losing a wallet, virtual or otherwise, should never result in a financial disaster or an irrecoverable loss of funds.
Bitcoin is digital cash. You lose it, it's gone. That's part of the design, a feature, not a bug. A feature I happen to like: double spend protection, no replacing of lost/stolen Bitcoins out of thin air.
There are, however, ways to protect funds from loss by stupidity (hd fail and no backup or misplaced pw, involuntary encryption maleware) and/or theft: Multisig can really help here.