Sorry to hear of your losses!!!
We need harsher penalties for crimes!
Just last week my PayPal account was hacked for over $2000.

Fortunately, PayPal quickly picked up on the breech and after I posted a claim it was all refunded.
My credit cards were stolen a few years back. The clever thief put everything back the way it was so I didn't notice until VISA contacted me about several huge gasoline purchases (I drove a diesel at the time). Fortunately, VISA didn't hold me accountable for the purchases made by the thief.
Apparently, credit card companies run reports which flag any unusual activity. One of the first things that thieves often do with a credit card is use it to make a phone call. If the call goes through, they know that the card is still active (hasn't been reported as stolen yet) and then they make the larger purchases with it.