Actually, too much panic is created around some potential security vulnerabilities on Ledger Nano S. For a user to become a victim of an attack/hack of hardware wallet by remote, a certain set of circumstances is required to happen. Incomparably greater chance that the user loses coins stored on hardware wallet is physical attack or so-called "fingers or a child" where users is forced to give his seed/pin. Much more danger than any attack are the users themselves, no backup or lost seed is a very common way of losing coins these days.

Ledger is not responsible in any way for user coins in device, do you think they will pay me if I get hack on updated device?