So if I understand this properly; bitstamp is asking these questions for deposits and withdrawals in either bitcoin or fiat? And this is with already verified accounts? What kind of amounts are we talking about? Over three grand ... over 10 grand?

I would be very unhappy to have my funds held hostage till I jump their hoops, particularly if I'm already verified. I guess if you are dealing with 10s of thousands of dollars red flags could rise.