Note that the 5% is a bank fee.
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Bank problems is a much more plausible explanation.
Firstly, we don't really know who collects the 5%, just that it is charged.
We only know the information from MtGox, and other theories have no supporting evidence.
This may well be a combination of both problems. There is no evidence of any USD withdrawals being processed after 12 June, so the "10 withdrawals a day" is likely false or actually applies to the 5% manual option. I suspect they have no working banking relationship right now for the old style ABA wire transfers, but are hoping one will materialize.
There is plenty of evidence on this forum.