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Yeah, well, if you're so smart why did you have your money on GLBSE?
No, really. If you know this much about banking what the hell were you thinking?
1. I had/have a tiny amount on GLBSE.
2. I expected that when problems (inevitably) occurred they'd be more gradual and/or there'd be a chance to withdraw before the shit hit the fan.
3. Risk v reward.
4. I expect to get my funds back anyway.