I have been having the same problem and have tried the solutions on this and threads on other blogs with no success. However, after some trial-and-error I finally came up with a solution. I logged in as a guest and copied the Motion Templates directory (with including all sub-folders), from the Movies directory onto an external thumb drive. i then logged into my main account and dragged this directory into the Movies directory of the main account. From the pop-up asking whether I wanted to overwrite the files, keep both or cancel, I chose overwrite. Once I opened Final Cut the contents of Titles, Generators and Themes had been re-populated and are all working again.
I hope this helps.