If your EU account is hacked you only have the means to go to your local police.
Mindark will not help you personally one little bit, but disclose every important piece of information to officials should you open a case with the police.
If this holds true or not for a goldcard owner is unknown,
as there is no accredited hacking of a goldcard known to the public.
Well I suspect the police won't give you your lost peds back, so it looks like what you're saying is if your account is hacked, and you lose all your peds, you've lost them. End of story.
The moral I guess is don't build up a sigificant in-game balance and don't deposit anything you cannot afford to lose completely, and get a GC. ie depositing is not an invesment, it's spending. Does that sound about right?