btw i asked you, have you been able to repay everything to everyone form Mt Gox and Cryptsy yet ?
Glad you asked, this points exactly to the disastrous potential of having a centralized party (the exchanges) holding people's money. Gox users were literally entrusting their assets to be held by the exchange. The same thing that happens when you entrust a "gateway" to hold your ripples. Now stating the obvious, if they were storing the bitcoins on their local wallets, then the centralized Gox hack wouldn't have done much.
After Gox, Bitcoin lost trust and price, this is the point, without regulation, you on your own and its about you to create demand and price and prove it worth it (has value), so again where is decentralisation and blah blah?