Absolutely not. I started to invest in Etherbanking in October 2017 and platform was PERFECT. Time passed and investors became a huge number, so the platform started to suffer overload. Etherbanking upgraded the system 1st of February 2018 and many of the problem of the past are solved, unfortunately not all, but they are working hard night and day. You can see something is changing any day, any hour. Of course cryptomarket falling is not good for any company involved, especially when lending is one of the services.
Etherbanking is not simply a lending investment. Lending is only the first of several financial services that system will supply when complete. Now they are in ICO moment, project is not finished, just started.
If you visit Github you can see with your eyes works they are doing. In february they stopped to pay by Btc. I think that this is good for long term because if they send out 3 times the bitcoin they should pay if the value was the same of december, company could loose too much, they pay by Ethereum instead that is better for transaction times and fees (when you are going to move around your money when received). If you look to Github you will discover that they are working to upgrade their Bitcoin wallet to have better service when payment by Bitcoin will restart. Probably they are testing the new wallet and why not, waiting Bitcoin value comes a little up.
Now some members tried to do a fraud, selling accounts and writing to support to rehave back, telling someone stealed their password. This is BAD. People that buy accounts from other members could be banned from the company that can't understand they were right. This could take legal actions and destroy the entire project, loosing millions for investors too. So they need to take an hard choose: let the investors continue to withdraw their money and risk legal actions and bad reputation or stop all withdraws untill members profile are verified. The choose is not simple because both of them will not do all the members happy. They choosed to be unhappy today but protect the longterm project.
Money are not loosed, we can always exchange $ gained in Ethereum every day, we can accumulate them on the account and withdraw all whenever our profile will be verified. How much time does the verifying of the profile will take? Nobody knows but probably it will take several weeks. This is not a problem of Etherbanking alone, Spectrocoin and Coinbase take several weeks to verify documents, it's normal because a lot of new people is starting to use cryptos and companies need to upgrade their structures.
I am accumulating Ethereum on my account and reinvesting to have more EBC coins too. Tried to withdraw 1 EBC coin before the stop for selfie verifying and it works, now I have 1 EBC on my ebcwallet!