There's really nothing Arena.Net or we can do about the situation. While we do sympathise with your situation, the responsibility cannot be pointed to Anet for a mistake on the player's part (i.e. downloading a keylogger, giving a password away).
What you can do is, instead of asking for reimbursement, ask for an investigation into it, and the person who abused your account should be punished. That's all Anet can do for you, and if you find that restriction "questionable," PM one of the reps with the situation or continue your correspondence with support.
But, unfortunately, none of us can do anything. It's just a consequence, albeit an unintended one, of an error in judgement. Run a few virus scans on your computer. If you downloaded a keylogger, than it may still be lingering on your hard drive.
Since there can't be much of a discussion stemming from this issue, I'm going to close this and suggest that you run a few scans and talk to the reps directly and get more info on the situation, before suggesting that their policy is at fault.
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