There is no need for TL;DR for me , I read all . But if you say that we never lose our bitcoins then how do you explain last time on Bit-x.com (just an example) signature compaign , some people got affected with this attack and never received their coins , and Bit-x had to send us the payouts once again , so the first BTC that they sent and we never received them ... where are they if they are not "lost" ?
It all depends on how many confirmations. More then likely they had something set too low for confirmations settings.