CPanel uses a very linux like setup that isn't what Windows users are used to. In Windows, you have the registry. If you accidentally delete the registry, you essentially don't even have Windows installed anymore. Linux doesn't use a registry; it uses the filesystem. When you delete these files, you are deleting your registry. Some of the stuff can be easily re-created and some of it can not.
I believe the same reason that X10Hosting does not manually create accounts for users for any reason is the same reason we cannot just reset your account. The chances of everything not working again are really quite high. The files are there for a reason. If they could be replaced at any time, then they wouldn't be there in the first place.
Why are these files accessible in the first place then, you may ask. The information in the files is extremely useful. You could back up your entire CPanel and then have another server running CPanel process the backup and restore everything. You can run a PHP script that will read your email for you, sort it, filter it, translate it to another language and forward it based on rules in a MySQL database using only file access to your mail folders.
I do think it's a bad idea these files can't be more hidden by default. I think it's a bad idea the default FTP user has read/write permission inside of the user folder. I think it's a bad idea that the files aren't in some sort of scary named folder like "YOU WILL BREAK EVERYTHING IF YOU TOUCH THIS FOLDER!!!!!" I think it's a bad idea that there is no Recycling Bin/Trash Can (Since most users are Windows users and are used to this safety net that Linux servers almost never have.) The problem is that all of this is hardcoded into CPanel and can't be changed (or even if it could be changed, every time CPanel upgrades, the changes would break the system).
So, to end my rant here, I think CPanel needs to add this feature before X10Hosting will be able to offer it to its users. Even if the administrators are going to spend time developing a script to do this, which I don't think they will given the amount of other upgrades they have planned, I wouldn't expect the feature to come out soon because of the amount of research, development, testing, bug fixing, implementation, and maintenance time involved.
This is a great request! There are a number of requests for account resets and this feature would save a lot of time and hassle, but I don't think it's viable.
Edit: I forgot to give credit to what Skizzers wrote, because this will restore almost every file, maybe even all of them. Luckily, CPanel will create a default file if it finds there is not one, there's just no "automagic" way of doing it because every users' files are not identical, setting file permission, etc.