For us, the end users, it won't make any difference in the end. Anyway, I've seen plenty of exchanges hacked, and no one got caught, be it an inside job or otherwise.
I don't agree. There's a big difference. It doesn't matter if the hackers are caught. What it does matter is that your funds are restored in a reasonable time.
And this is important for the exchange too. Bitfinex gave the money back to the users, hence it's still in business. For example Mintpal didn't refund. Do you know or remember Mintpal?
I haven't heard much of them as I hadn't been their client. I was and am a client of Bitfinex, even though I withdrew my funds a few months before the hack, which happened in early August 2016, less than a month after the halving. In this way, I wasn't affected by the hack. If an exchange reimburses the stolen money, they are good and all that, but it doesn't change anything for us with respect to whether it was an inside job or an external hack. I suspect what you say is called "non sequitur". If our money is stolen it doesn't matter who did that. Returning the money or reimbursing the losses is another matter.
And while we are at it, there is a dude with a nickname TradeFortress who stole (or was stolen from) thousands of bitcoins belonging to lots of users. And he is still active here, at least was last time I checked, promising to return the money.
