online poker crash(followup to previous post)

[reddred]

In a previous discussion about the future of online poker, a poster expressed that some potential problems for the industry are 1) the US government cracking down on sites and players without warning, and 2)the potential horror of a site crashing, or a hacker disrupting the safety of our money. My question is, b/c of this, or any other reason, do folks out there NOT keep the majority of there online bankrolls in the site accounts. Just curious if the general consensus out there is that your $ is safe in these site accounts, or if players practice a regular 'transfering' of money out of site accounts into their bank accounts. thanks