You Agreed to the Terms and Conditions...

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This is about a situation I have had recently (and previously) in which I incurred charges on an account because of something out of my control. The recent thing was that someone stole from my account. Well, they tried but there was nothing there to steal. However, this meant that the bank charged me for not paying the money! I tried to explain the situation a few times only to be bombarded with responses of "you agreed to the terms and conditions", "we suggest you handle your account better". Well, forgive me if I am wrong but I was under the impression that I was putting money into an account on the basis that I could trust them to look after it. I was also under the impression that, while there were Ts&Cs about charges, that there was nothing in them saying that the account holder was responsible for paying a charge incurred through theft. I did get the charge reimbursed but they still will not admit that it should never have been made. It is just so patronising to be told to "handle your account better", blah blah blah, etc. when you have handled your account perfectly well and those who are supposed to be looking after it have not done their job properly. So, to make this into an actual discussion, have you had charges made through no fault of your own? What did you do and did you have a reasonable responce or did they insist is must be your own fault? And does anyone know why certain financial institutions treat their customers like idiots?