Your money is more safe in a bank than it is under your bed that's for sure and they provide the service for free.
If you get hacked then you've lost your money, but if someone drains your bank account there's a good job you'll get that money back.
Hmm. That kinda depends these days. In the UK there have been cases where banks were refusing to make people whole again if they could prove their internet banking practices were lax.
Also people who have fallen for very convincing phone scammers aren't being paid back either.
Fair enough I suppose. They shouldn't be automatically be expected to shell out for customer gullibility.
I think that differs in each country and in the way how you got scammed. Here in the Netherlands, a friend of mine had apparently installed some malware which transferred some money of his account to an unknown party (through internet banking), and he received a refund after he went to the police. However, my nephew was scammed once by buying a PlayStation online (which he has not received yet) - no refund is made.