No, it's a hope for the future to protect the customer. Just because you want to it to be something else so you can continue to pointlessly argue against it doesn't mater.
And that's the fundamental misunderstanding of the platform.
I'm not arguing against consumer/investor protections. I'm just being realistic that a 100% guarantee 100% of the time is completely unrealistic. Fraud generally implies taking the money and running, no? If the guilty party cannot be caught, it's not on Valve to pay us. They were a facilitating neutral party. In the case of an earnest but naive developer, they simply won't have money, and no amount of garnished wages will get everyone their money back.
Investing is a risk. Investors know this. The difference is that these platforms allow people to invest under the guise of a pre-order. Investors don't rely on the assurances to save their butts, they rely on solid research and due diligence to maximize profits and minimize loss. The types of protections they may pursue are last ditch efforts to save their investments, not the norm.
So, again. The protections you want are unrealistic and demonstrate a fundamental misunderstanding. I also want some better protections for the consumer and some more responsibility and consequences levied on the people pitching, but you'll never see me suggest what you are, because I at least have a basic understanding of the risks inherent to the platform of investing.
/tangent
Honestly, that's my biggest beef is that this is the worst kind of investment. You pay in early for something that's not guaranteed, and you don't even get a cut if the product ships and is successful? That's the most bogus part, not the fact that you might lose out on your cash equivalent to a couple hours of work. It's much more the idea that none of these platforms allow you to actually invest, in the truest sense.
If a person wants to actually invest a decent sum but allow the devs to retain their rights to and ownership of their IP, they should have the opportunity to actually make money on their investment. Steam, easier than Kickstarter, could implement this.