There needs to be an absolute baseline here. If you hold bitcoin deposits and you suffer a hack, either provide rock solid proof of the event, and measures taken to resolve the issue in the justice system, or be presumed to be the thief.
Maybe you shoud think twice. When your bank gets hacked (banks get hacked routinely, through phishing attacks, bank card fraud,etc.),
1. your bank does not tell you unless you complain
If a customer losses access to their money it is accompanied by an explanation. Unsophisticated users are pretty much always made whole and it happens in a timely manner.
2. you pay for the hacks through various bank fees that apply to all accounts whether they are hacked or not.
Do you presume your banker to be a thief ?
It would be unlikely because there would be an investigation and punishment, so no. This is not the case with Bitcoin. It is trivially easy to steal money and I cannot think of a time when a theft has been officially investigated or prosecuted. I am also unaware of anyone who has been punished in an extra-judicial manner over and above some name-calling on a forum. Thus, the barrier to theft in the Bitcoin ecosystem is extremely weak and naturally it happens a lot.
On top of that, many people who were attracted to Bitcoin in the first place have a reason to wish to hide or obfuscate wealth, and that is likely due to prior instances of theft. (Wagner, BFL, etc.)
Your statement seems to remind me again that you see some justification for the loss among your customers by virtue of not charging a fee. I'm calling bullshit on this, and especially since it is not yet know how you acquired the funding from Jav.
Compare this with your expectations regarding bitcoin businesses.
What you are saying is I cannot compete with banks until I am offering a perfect service perfectly free of charge.
This is exactly what the "regulators" (meaning retired bankers or revolving doors bankers) want you to think.
It is hard to imagine you building a successful business with an attitude of "We didn't
try to lose your money so it's cool." and "Trust what we informally write on a forum and shut up about it."
Thankfully it is possible in crypto-currency land to build a system which mostly precludes trivial thefts of the type that Instwallet users fell victim to. I strongly suspect that the entities who develop along these lines will thrive and the 'trust us' dinosaurs will fail in offering a desirable solution. You can join 'Tom Williams' and a host of other's who have ushered in an era where user's watch out for their own asses.