Something that is just as easy, transferring items to a mule. Losing 3$ on a mule vs say 100m
10x better and cheaper than buying an "insurance plan"
Unless you plan on replacing peoples accounts back to original stats, which you wouldn't, or if a service worker is just a dick and drops untrables, you would be required to earn them back.
This would never be useful.
In situations such as a car or house there is not a simple cheap solution to avoid these issues.