its not the victims fault, listen to lets tsalk bitcoin episode 85, Andreys confident mtgox wont default.
Wrong. It's mostly the victim's fault. If you do not have sole control of you private keys then you do not own any Bitcoins. We all take a risk when we send any cryptocurrency to an exchange, but that's the nature of groundbreaking tech, of new and innovative ideas; it's still young and it still has flaws (even though I can argue that flaw actually resides in the human aspect in these cases).
Ultimately, we have no one but ourselves to blame if & when we lose any cryptocurrency.