But I don't think your analogy of the hotel room is totally representative here. Without knowing how someone has had their credentials hacked, it's much more prudent to assume that in your analogy that the room key was pickpocketed / stolen. And then it becomes more of a grey-area as to how much support one can expect.
That being said, I do appreciate your insight on account value, as compromised accounts clearly do constitute a burden that don't end up paying for themselves (even if they aren't "to blame").