That may be so but if someone hacked my comptuer and emptied my bank account I would get reimbursed 100% by the banks and they would even investigate on their own terms..
While that is true, bear in mind that there is no such thing as a free lunch. You are paying for that kind of support already, and with Bitcoin you can choose not to do so. There are plenty of people responsible enough to look after their own affairs to build a very large bitcoin economy, $10 trillion at a minumum; which is why it appears to you that the costs of such support is very inexpensive, it is currently bourne by the responsible and irresponsible alike. You should not assume that it will always remain this way, now that the responsible have a cheaper alternative.