It's bullshit when people jump on a bitcoin site operator whenever they are getting pushed around by the banks.
"Getting pushed around by the banks" might explain a lost payment or two or the temporary inability to process payments. It doesn't explain losing client funds.
The exchange operator gets scammed, and people blame the victim?
Nobody blaming the operator for getting scammed, as far as I know. They're blaming the operator for losing client funds. The operator's primary responsibility is to secure client funds so that they don't get scammed. When it comes to client funds, an exchange operator is the security guard. You certainly do blame the guard if the thing he's guarding is stolen.
You have to wonder if the people complaining are the same ones who used the phished bank accounts.
I can't imagine why any rational person would wonder that. When a person makes an argument, I wonder whether the argument is sensible or not. To answer that, I reason out the logic behind it. It really doesn't matter whether the argument is made by a good person or a bad person when you're considering the validity of the argument. Usually such vague accusations with no evidence are used to distract people from a logical argument.
I mean, if I was part of the established banking system, I would use phished bank accounts myself just so that I could reverse the charges later and screw over the exchange, then I would get on here and bad mouth the exchange operator.
Okay, so you're a bad person.
The issue at the heart of the matter is the same as its been from the beginning: How do you reconcile non reversible BTC payments with reversible fiat bullshit controlled by TPTB??
Simple. You pay an exchange a high fee to take that risk for you and you rely on them to have sufficient reserves to protect client funds. That's their job.
SOLUTION: If you start such an exchange, run your bank accounts as dry as possible. Withdraw extra funds and trade a portion of it to gold (pecunix accounts?). Have as many possible accounts under different names and corporations as you can. Don't let the banks know that the different accounts are all yours.
I think that's a very bad strategy for reasons I've detailed elsewhere. Implementing strategies that hinder reporting or obscure connections are good ways to get yourself in trouble very quickly. But you are definitely right that you have to have "hot" and "cold" means of storing cash just as you do coins, so that interruptions in your operational accounts don't affect client funds you hold. It helps to be totally up front with the banks, actually.
Bottom line is, if you're going to succeed as an exchange that trades with bank deposit money, you're either going to have to completely sell out to their rules, or go to great lengths to fool them.
The former is the much more sensible strategy. In any event, the reason you get paid such high fees is because it's hard to protect client funds -- but that's your primary responsibility.
