Big names like Metawin and Stake survived hacks before, and players got lucky their funds were safe. But if it’s some random casino with no deep pockets? Good luck. Inside job, outside job… either way, don’t expect them to hand your money back out of kindness.
And waiting for a third party to help? Yeah, sure. I’ve seen that with exchanges, but with gamblers? Nope. Not once.
So if you’re betting on a refund, you might as well bet on winning the jackpot too -- same odds (correct me if im wrong), I guess..
Surviving hacks is nice and all but if they were to lose all their clients money? I suppose their insurance company would repay the casino's players. Unless of course, you were talking about some unregulated, shady, off-shore casino. In which case, the money would be gone forever and nobody would get it back. The worst people could do is find out who was the owner of the casino and make sure he goes to prison as punishment.
It is important to play on regulated, big casinos.