This is a classic prisoner's dilemma and has been studied to death already. Pulling your money out is rational behavior as soon as there is any risk that you won't be able to in the future - yes, even if that behavior is what causes it.

The subtext of your comment is that it would have been smarter to leave money in the bank. That's not how the world works.

There's an interesting discussion around how social institutions can coordinate mutual non-defection (hint: it probably looks a lot like the recently announced "government guarantees deposits"). But "lol dumb VCs" just shows lack of understanding.