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It would suck real bad but it's not Heros fault if somebody hacked my account or stole my id so yeah I would expect to have to pay the full amount.
Why do you think Hero should take a loss?
Btw, I changed my post above to a analogy that comes closer to the actual situation at hand. When someone steals from your bank account you are the only loser so its not really relevant to this.
My thoughts are that; Assuming Villian is completely innocent, they are both victims here. Villian made the mistake of letting his accounts get breached, while Hero didn't do properly due dilligence with whom he was trading with. Sharing the loss seems fair to me IF there is no doubt wether or not Villian is innocent. Any doubt what so ever Villian pays.
You also said its not Hero fault for Villian getting his account hacked which is true, but not doing proper due dilligence is.