re: #1, don't you think it would be newsworthy if someone robbed a bank of all its customers' uninsured deposits? That doesn't really happen commonly, and if it did, it would be huge news.
It was just as much news when Gox got owned, even though they covered the losses. Also, Insured vs uninsured is irrelevant in this category because you simply can't have an uninsured traditional bank in the fashion you're talking about.