fractional reserve rumors are pervasive and nonstop for custodial exchanges

there isnt really a source necessary

nobody has any insight until they do

Exactly this yes. I heard this on Twitter and occasionally on several different crypto forums when there’s been an outage during a price surge. I’m not saying this is definitive but the pattern is nonetheless concerning. I get service incidents happen but the timing always seems weird. That could be sample bias though.

In my opinion, the next custodial exchange to explode isn't a matter of if, but when, when, [...] and when.