Gold isn’t easy to steal because there are centuries worth of physical security demands that have evolved to protect it. Its relatively easy to take a chunk of metal from someone otherwise.
Nothing you listed applies to bitcoin besides remote theft. The whole point of a blockchain is be fault tolerant in the face of those real failures. Remote theft occurs from a failure to secure your private keys. That’s human error and will be resolved in the same way as gold with… custodians aka a bank.
Gold isn't easy to steal because it's heavy, and the more you steal, the more it weighs. There's a big difference between stealing an ounce of gold and stealing five tons of gold. But there's no difference in "weight" between stealing 0.1 BTC and 10,000 BTC.
Also, securing physical assets is much easier than securing digital assets.
If you have stored your seed securely (in a safe, preferably engraved on stainless steel), then no problem, you can re-generate your private key on a new wallet from it.
If you haven't written down your seed before generating your private key and also lost your private key, your money is lost. Thank you for this sacrifice for the common good, but you will want to educate yourself better next time.
Yes, if only one of a 2 of 3 account was lost. A person having a single seed phrase on a single cold wallet would lose coins and would probably benefit from using a service to educate them.
Nothing you listed applies to bitcoin besides remote theft. The whole point of a blockchain is be fault tolerant in the face of those real failures. Remote theft occurs from a failure to secure your private keys. That’s human error and will be resolved in the same way as gold with… custodians aka a bank.