For some reason I'm not quoting properly, so I'll just remove the quote tags...
"Depends, if the virus/malware/whatever was on the bank's server, then yes you get it back because they failed to keep your money safe. If it was something on your computer that made you lose your money, that's on you and you don't get it back. It's like the difference between a bank heist and you adding someone to your account who cleans you out. The first is of no fault of your own, the second is you failing to be vigilant in protecting your account info."
But what about new viruses that are undetected, viruses that get big exposure because they can get through our security (until the antivirus peoples figure out how to detect it)? Would be hard to argue that it's the user's fault.
I've been using ebay/paypal and have antivirus, a firewall and a few scanners. If I had this virus and it took out £500,000, how would it be my fault if I didn't even click on anything suspicious?
I remember quite recently I got the Banker virus, and I know I got that from going to a link for a competition in my local newspaper. That's it. All I did was go to the home page of the paper and click the ordinary link (which wasn't like 'Win 1,000,000 by clicking this long-winded link from France!').
I detected it with my scanner, being suspicious, and cancelled my bank card and got a new bank card (and changed some passwords). If I had a load of money, yet still lost it all because of that virus, it would seem only right that I am compensated by the bank and law. Otherwise rich people could lose it all because of a virus.
"The biggest reason you get different results is because of how antivirus scanners work and the definitions they use. They all use heuristics, recognizing patterns of coding used in the past to create and execute viruses and malware. This isn't perfect so occasionally things get by or you get false positives, a scanner says a file is infected or malicious when in fact it is not. Most, if not all game trainers fall into this false positive category for example. Not all scanners are created equal and it's up to the user to find one they trust and feel safe with. Ultimately it comes down to the patterns your scanner is looking out for that are included with the definitions you get, which is why it's important to keep them as up to date as possible."
But then, it still only finds what it's looking for. That's the problem, one that's hard to blame internet users for. I'm sure I'm not entirely protected despite having NOD32, Malwarebytes, Spybot S&D and Ad-Aware.