My point specifically is that some damage isn't recoverable if there's a vulnerability that gives someone root access. This makes the bank analogy inadequate in the first place. Im not trying to argue about whether deposit insurance is good or bad. Saying they would get the money back assumes the damage done to ones machine would be recoverable, which may not be the case.

My understanding is that FDIC deposit insurance only protects against bank failure, not fraudulent activity. Getting your account drained by an attacker may or may not be covered by a patchwork of other laws at various levels, and you could very well end up shit out of luck.