If it is used correctly, an SSL certificate adds an obstacle for hackers. Unless a site is designed "cradle to grave" with security in mind, adding security in any form as an afterthought is probably only going to be a nuisance to an experienced hacker.
If you control every part of the hardware that runs every part of your web site (from the database through the application server and the web server to the router that connects the whole conglomeration to "the Internet" then you have a good shot at controlling security. If you don't have physical control of those pieces and especially if those are contracted via a party that you don't trust absolutely then trying to add security seems futile to me.
My guess is that your web site is hosted on servers owned by a third party. If that is the case, then the administrators and probably the tech support people for the hosting company have access to every bit of code and data on their servers and there is NOTHING that you can do to change that. As a corollary to that, any hacker that can get control of your host has complete control of your data, code, and site.
-PatP