Everyone takes the money out. Financial institutions watch it like a hawk. Msn or whomever write stories like this to fill up space.
Financial institutions sometimes make mistakes. This morning I spent over an hour on the phone with a rep from a well-known financial management firm which incorrectly moved about $20k out of an account that I could readily withdraw funds from and into an annuity-type account which would have only permitted withdrawals spread over a five year period. I knew this was a mistake because I had explicitly instructed them to leave that account alone. The rep finally tracked down the source of their error, apologized, and said that the transaction would be reversed. Fortunately, I looked at the confirmation statement for the erroneous transfer and immediately recognized that something was wrong.