I am deeply familiar with one of the cases you linked to. However, let me assure you that in all the years we've been online we never had a single instance in which FixedFloat violated their own ToS.
If I remember correctly, FF covered all the losses incurred during the hack. All their users were paid out. If it was different, someone correct me.
I'm not saying they're ideal, but we've seen many cases where users suffered losses from hacks.