While still taught by some people, finger tight 2nd stages has largely fallen out of favor for the reasons you are experiencing. For the "good" that it does it creates a whole mess of other issues and the "problems" it supposedly fixes have been remedied by other techniques. Very rarely does a 2nd stage go south on you, and it it more likely a first stage issue. If a 2nd stage does actually "go south" it is generally an issue with the exhaust valve or the lever being depressed neither of which are fixed by the reg being finger tight.
I have witnessed several instances of finger tight regs suddenly developing massive free flows on a dive. I had a deco reg start to freeflow (ended up feathering the valve). I have had two buddies suddenly develop large free flows and then actually have the 2nd stage disconnect from the hose. One buddy was on a single tank and it disconnected while still pressurized (big issue). The other buddy in SM had a free flow, but couldn't figure out what is was so he turned off the tank and ended the dive. The 2nd stage fell off on the swim back and had to be retrieved by another group. There is also the risk of damaging the o ring when you are re-tightening the reg
In terms of loosing gas from a tank.
1. If it is back gas, manifolded doubles allow you to breathe from both tanks
2. If it is a stage or deco bottle, you should have redundant/contingency gas already built into the dive plan..either in back gas or another stage, so losing a bottle isn't an emergency. Although you shouldn't have to based on gas contigencies, you could feather the valve to access the gas in the tank.
Bottle line. I don't recommend finger tight 2nd stages.