Seeing your other (rightfully flagged) reply I want to tell you as a neutral party that yes this is missing the point of the analogy. You're basically saying "I would simply hit the brakes on the trolley". It's not that they're so hubristic they think it's impossible to legitimately disagree with their argument, it's that mentioning insurance is sidestepping their argument entirely. You're not addressing the general idea of getting hacked and suffering the consequences of the hack.

Just socialize losses and all is well.

What could possibly go wrong?

The banks cost of insurance goes up, cost of running an account goes up, how do we correct for this? offer worse accounts to customers...

And what is the insurance in the Linux case, for which the analogy was being made?

You're missing the point (not sure if you're just being dense on purpose...). If you're bank would just return the money then its not a good analogy. If someone gains root access to your machine, presumably they can do damage that can't be undone. In other words, to continue the bank analogy, they would take all your money and you would have no way of getting it back. Presumably, you would not be ok with this. And even if, for some weird reason, you were ok with that, 99.9% of all other people would not be ok with it.

"I, personally am not affected, and I don't care about anyone else so therefore there are no consequences"