If it was me and I accidently infected OP's PC with malware that I didn't know was on my USB stick I would feel guilty for OP's loss and return the card.
Well, if I was sure that my USB stick caused a problem, may be I would do the same. But honestly, this story about accidental malware sounds like BS to me
I lived in not very safe area for a while. My car was cracked 3 times there, and things were stolen. I knew teenagers who did that, but I could not prove that they did. Reporting to police was useless, they could not do anything too. So, this is a situation when you can blame only yourself if hoodlums steal from you.