[unclebucknasty]

Even in the absence of overt theft on their part, if the real explanation is not what they are offering, then it is still very likely a scam. That is, they are not disclosing information to customers that would be relevant to the customer's decision to use their service.

So, for instance, with the fiat withdrawal problem, if the actual issue is that they are not solvent, but are hiding this fact in order to become so through trading fees (a popular theory), then they are shifting an extraordinary amount of risk on to the customer without his/her consent. That would represent willful misleading for their own gain.