These days I've been hearing a lot less "shut down due to hack" and loss of costumer funds.
Don't get me wrong, there are still hacks, and losses, but lately it seems most companies have a Plan B set up for the customers benefit.
Take BTER for example.. Yes there was a hack, but they didn't shut down and take what was left..
They've been working ever since to pay costumers back with fees.
And have a look at Eobot, though I'm not a fan of cloud mining - they do support customers in case of lost funds.
Does this mean a new era for Bitcoin?