Protocol > ethics, can become a slippery slope imo. Hand in hand, if there's mechanisms in place where one supports the other then we can have super resistant and 'safe' networks (read: ones that are not-so-scary for the public).
I think it was theymos who mentioned that there could be a second layer with all kinds of protections and refund options. But on-chain, Bitcoin shouldn't change in that direction. Don't forget that one person's refund is someone else's disappearing payment.