Gemini made it very clear that the Earn program had exposure to risk and described that risk step-by-step. Low risk, low reward.

Gemini the exchange is supposedly regulated similar to an American bank and as far as I know not directly affected by or responsible for the pausing of Earn withdrawals. My hope is that it's a matter of low liquidity at a moment rather than some1 ran out the back door w/ the loot.