There’s going to be some give and take here. If you want the benefit from a natural solution (beavers), you’ll have to work around whatever that solution is.

Biologists can tell you what kinds of locations are good beaver spots - so we shouldn't just build a road too close without some planning. We also shouldn't remove beaver dams so that we can build human structures- the dam will be back soon enough.

And when you do need to build near one, there are lots of techniques to strengthen structures to avoid erosion. My favorite: plant trees. Willows will grow like mad near a pond and their root system will strengthen a bank very well.