Furthermore remember under the EULA our only recourse is to the ped value of any deposits. I remember the EULA was changed regarding items "owned" but I can't remember if that was only limited to PED value.
I guess that is the real risk of buying virtual items for real cash.
Firstly, you're not buying virtual items with real cash. You're buying game currency - Peds. You can have your peds back into money if u like, but it's peds that buy/borrow MA's virtual items.
Secondly your entitled to your tt ped value back. Although typically a massive difference, only tt is known about, trade value is highly subjective, based upon what the last guy paid. Of course it should be noted that in a mass sale-out the trade value decreases, to the point where noone is buying and thus items have no value. Therefore it can be said, that at the point MA cease to exist, no item can be bought thus no item has value, really tt back is quite proper.
What's being missed, is the idea that
you elect to pay what YOU percieve the value of an item to be, based upon the 'social sheep' factor of how much the last person paid, it aint MA's fault you decide to overvalue items. They already put different tt values on items, it's other people that elevate the value further.
Of course this is all complete nonsense, the EU model has been running for a long time, and it'll take a heck of alot to shut it down completely. The primary reason you can feel safe about your tt value held by MA, is that they don't put themselves into a liability situation, by promising to pay back silly amounts of percieved trade value. They can opperate quite dandy if ppl with high value items lose value by being sold on at a loss, as the only concern is the tt value.
I'm very confident with my money converted in EU and ped value held by MA. The only true concern is the
ability of other people to buy my items, as this determines their value. While some items may stand to loose some value, the majorty will not and those items losing value will only do so my a small amount.
The EU economy is self reinforcing, as one person says 'this is too expensive for me' another person steps up to the challenge. As the value of items do drop, the drop is seen as an oportunity to buy, which stabalises the market.
Right now, with the dollar trading with such might and impressive value
people get alot more Ped via currency exchange though the dollar. Unless of course you're American, in which case it sux
This means ppl have more peds to spend, and at the same time the percieved value of those peds decreases. This makes ppl spend money, and when they spend money, the market is stable.
Where else can you invest your money, that gives you entertainment, high growth potential and relative safety with a minimum of the capital cash back if it all goes to hell??
My only concern would be cashing out while the dollar sux, think how much money you'll lose. MA don't benefit, but you'll lose for no real reason. Then after 1/2 a year or so when u realise that EU is alive and well, and you invest again, you'll have a double whammy hit. 1.Items in EU will increase in value. 2.Dollar is stronger again and ur deposits mean less peds (for non americans).
I would think MA would just lengthen the time (even more) to convert your PED into real money if things start looking bad on their balance sheet. 
some peds to get ESI's