[Is there no accountability?]

Hey All

This is my first post here (so please be gentle with me) I've been following these forums and the BTC community for a while now - I'm a developer and there's a niche market in BTC that no-one's yet built a service for, so I'm thinking of building it. However, in all my research there's been one question that seems to undermine the idea of the currency.

Is there no accountability?

For example, let's say that one day BTC is added as a payment option for eBay, currently with PayPal if you are defrauded out of money you can just go straight back to PayPal and say "Hey, sort this out! Someone ripped me off" - but with BTC, who would you go to?

Similarly, if some peice of malware ripped of hundreds/thousands of BTC followers and pocketed the BTC into their own anonymous wallet - then those thousands of BTC followers would be fundementally untrustworthy of the system from that point forward.

These scenarios are analogous as to how the average consumer might see the BTC network and have reason not to "trust" it, and therefore not to adopt it as a method of payment (i.e: if my credit card is stolen, I can just get it cancelled)