I don't believe that users are acting in their own best interests when time and time again they seek no redress against people/entities which have been responsible for substantial losses.  To date, there have been no meaningful consequences for those who've been responsible for losses of user funds - whether through criminal activity or incompetence.  As long as such losses are acceptable to the community and redress is not sought, Bitcoin services will become an increasingly attractive target for scammers and hackers alike and the losses will continue to mount and that's going to have a very real impact on people's willingness to invest in and adopt Bitcoin.