Your money is safe only in your wallet and if you are trader you agree with risk that you might lose your funds. Remember that.
Hacking is actually one of the biggest threat to all those who are there in the world of crypto currency as their money is highly exposed to hackers and there are hackers which are continuously trying their best to grab all your coins. Till the time, you will not be having enough of knowledge about the things and that you will not take care of your coins well, there will always be a risk of losing of money.
I don't think so it is a big problem because the hackers can't hack the wallet without the private keys if you have your private key safely then your coins will be safe forever and you never have to store your coins in an exchange wallets where the most of hacking are happening.
Perhaps this is true, but not all wallets have such protection. If you take examples of the block chain info, then there must be a special key for logging into your account, or for example myetherwallet, you need a file key or a secret key to access the wallet. It is difficult to get data here.