[zbanks]

Although I understand your perspective, and I agree that they have to do something to "make things right," I'm still inclined to accept the rollback.

As much as I hate to use analogies, its the best way I can think to explain my reasoning. If someone (a hacker) robs a bank (user on MtGox), and they throw the money on the ground as they fleeing the scene of the crime, only for it to be picked up by bystanders (profiting users), what do you do?

To me, simply returning the money (rollback) seems to be the simplest effective solution. Maybe I'm being too utilitarian, but it seems too complex to add additional funds into the system, especially when we're talking about nearly 10% of the entire value of BTC. Additionally, it establishes a strange and dangerous precedent: hackers can get away with upsetting the market. And who can make sure the hackers & profiteers aren't working together?

I don't think there's really much you can do to repair faith in the exchange in the immediate future. More importantly, people will keep money as BTC the exchange if it is value is stable (or deflating). Even now, I'd be more worried about the market than hackers.

I'd love to see an insurance company spring up. It'd require major capital, but it'd really help strengthen the value of BTC by providing security and resolving nearly all of these issues. (Things I'd do with $1M...)

[sneak]

In your analogy, the bank is actually MtGox, the organization in actual possession of the coins, NOT the user.