Neymar loses the ball a lot as well. Bernardo Silva is the one who has to make things happen for Monaco. This means not only that he is allowed to take risks, but even that he has to take them because the manager knows he is the most skilled player in the team. So, I'm sure they actually have some tactical instructions that say 'when Bernardo does this, you X, and you Y, do that'.
What you need to understand is that, if we sign a ball playing midfielder with skill and speed, that player automatically is the main man for his team. Unless you sign him from a team full of stars which is almost impossible. Bernardo is like that, and Coutinho is like that. Being the main man at some other team means they have more license to do certain things. It doesn't mean that they can't adapt to a bigger team and reduce a bit the risks they take.
Would you say that Coutinho in Brazil, when he plays next to Neymar plays the same way he does at Liverpool, without Neymar, Marcelo etc.
We need players that make things happen. This is what we lack. Players who make things happen in midfield. Iniesta could do it, but his legs are gone. Basically, at Monaco, Bernardo takes the ball, gets past one player in a safe and controlled way, but he still has to do a lot more to get into scoring postions. And here is when the risks multiply, resulting in more lost balls. At Barca, at the moment, a nice first touch, a quick dribble forward and a good release is more than enough to take two players out. If we get a player who can make that first move, he doesn't have to take more risks after that. Passing options would reveal themselves. But nobody does this first move at Barca. Only Messi and Neymar, but they are NOT midfielders. Both Bernardo and Coutinho can do it. They will take on passing responsability, which Rakitic, Gomes and Denis don't do.
Of course, all this is useless if we don't get a very good manager. A very good manager for Barca means at this moment, a more fluid approach. Bring more players in both the defensive phase and the offensive phase. We need playmakers in midfield, which means we need a more collective form of defending when we lose the ball, because the playmakers won't magically transform into Gatussos and Makeleles when they don't have the ball. With a rigid approach, Coutinho and Bernardo won't be able to hold the position in defense. Players will get past them. But if we make density when the ball is lost and narrow down space for the opponent, defending will be easier, as it is no more 1 vs 1.