But what about the prediction of exchanges stopping trades? That would affect every user, since price would take a serious impact, no?
That's speculation; it is a possibility but that would probably be temporary. We've seen exchanges halt trading before, nothing special about it.
+1. As Lauda pointed out, exchanges can halt trading for no reason at all. I mean, look at Mt.Gox. This is all part and parcel of being on the bleeding edge of disruptive technology known as Bitcoin. I believe it was Ludwig Heinrich Edler von Mises who said "Life is like a box of chocolates. You never know what you're gonna get."