If your paycheck just cleared into your bank and their website became unusable.  Then at night they said there is no DDOS this is just success.  Then the next day they said this is a DDOS we are shutting down for 24 hours.  How would that make you feel about your bank?  Why should you give Mt Gox more leeway with your money?  Maybe you'd be fine with that scenario but, I for one would not.  No tin foil hat involved, I just want a stable place I trust to store my wealth.  Having the FDIC back it helps a lot as well.