PS : EU is on the way to legalize stealing money from depositors (
http://larouchepac.com/node/26144). Keeping big amounts of cash in any EU bank is lunacy....period.
Interesting link - I don't know how legitimate that info is. Anyway - governments are largely crooks, and mostly serve their own interests, there's many stories about govts. exploiting their inhabitants. Notice though that they're not stupid - the ones with the best connections got money out of Cyprus through the London branches. If you fuck with the wrong people, then some people are going to conviniently have 'accidents'. So as long as you accomodate such people, you're largely safe. As for the unconnected people, nobody cares for them.
As for your critisism of MtGox - I've thought of exactly the same setup - having multiple bank accounts in multiple banks - simply because that lowers the total risk, and say the exchange holds 100 million dollars. If this is in just one account, if that account is froze, 100% of funds are held up. Now, if it was distributed to 10 accounts, then only 10% would be held up. Also having more accounts would mean that you could have more float (more money going out). The accounts could be assigned to the userbase, such that deposits got distributed to all these accounts. So if some criminal or alleged criminal deposits to MtGox and a state prosecutor for whatever reason doesn't feel confident only scratching his balls and watching some cheap porn that day, he might as well instruct his 'friend' in a neighbouring nation to freeze said account.
So having more accounts would provide for better service to the customers, and benefint the operation of the excange. In fact, any large bitcoin exchange should have a dedicated person managing all such accounts, and keeping good relations with the banks.
But the community has pointed out many flaws with MtGox, and the fact is that MtGox is the largest exchange not because they're very competent and technologically superior, but largely because they was the first excange, and thus got a big user base from the get go. And the reason that people kept using them was because they had the most liquidity, and thus, that's where the traders go. If an exchange that is more professional with better customer service turns up, and people see they can be trusted, more volume will go there, and eventually MtGox will become much smaller than they are today.
You could send them an e-mail asking them about these things. I agree with you that pointing to 'bank withdrawal limits' is quite a stupid thing, and if such limits indeed is a factor, the most sane thing to do would be to manage more accounts in several banks. How and why they haven't figured that one out is beyond me. There are complaints for withdrawals often taking more than 30 days, and that does not help MtGox as a business, it only pisses customers off, so once there are good alternatives, several customers will jump ship, and once a competing exchange gets enough volume, the lemmings and daytraders will go where the action is.
MtGox has a nice position and they could've consolidated and detronized all their competitors if they went smarter about it, however they're not. Dealing with their support is often a nightmare as they've got several support drones that only give you semiautomatic answers and doesn't really look into things, and doesn't always follow up on issues, even if they promise to do so. It's often like banging the head in the wall to use their support system.
But there's been several complaints about MtGox having a too big part of the pie, and since bitcoin is supposed to be decentralized, they could actually be doing the community a service at the moment by being less than stellar, because we will now see more exchanges springing up, and thus perhaps the decentralization will happen.
)))))) I will have a total of 5 bank accounts in 5 diffrent banks in 3 diffrent countries, but MtGox have only ONE LIMITED ACCOUNT in ONE SINGLE polish bank. 
? I have NEVER heard of limits when it comes to international wire transfers. 