I think the thing people are freaking out on is when 2 of the most powerful players (Pinnacle and Neteller) in the industry shut their doors within a week of each other with barely any warning then every book becomes vulnerable. Time heals all wounds and hopefully this will slowly start to build itself back up. The problem is the worst is probably not happened.
But I do agree with you. If you are not a big transcation guy and don't need the money right away than it should be business as usual. The scary thing is EVERY time you log into a site it could be gone right then and that is what are scaring people until this calms down.