Trick question. There is no such thing as 'money in MT Gox'. Only IOUs.
So then that would make Gox a typical bank... Just a bank that isn't handing-out physical notes for the IOU.
So the millions of customers (or just one million, forget which it was)... about 6000 who obviously had issues to start-off with, were asked to take an unofficial survey that confirmed no actual results (Just testimony, and possible FUD spreaders that might not even actually have an account)... about 60% of them actually have issues, the rest of the 30% who took the poll, didn't have any real issues.
That is like asking new customers for your cell-phone, who came from another carrier, to take a poll about how bad the other service was... not asking actual customers that are using that service, or actually checking any polled results. They went to the other carrier BECAUSE they were having issues. So that is a biased negative poll with no sustenance.
They failed to ask.. what was the amount you attempted to withdraw. ($40 wire for $10-$100 is obviously a low priority to Gox, as would be one suspiciously of $10,000,000.)
They can't be doing that honestly bad of a job, if they still have customers. (For now.) Longest time I had to wait for a withdraw was about 8 hours. (For BTC. I have no interest in removing money.)
Throw regulations at them, and you have more hindrance added to the mix. All and all, in my shallow opinion, I think they are doing well, for what they are. (That is not actually a compliment.
)