The problem is they have a 48 hour timer on cold wallets. Which leaves you 2 days to move those coins and if you have a withdrawal limit of $10k but you had 20 BTC in cold storage you were only able to get ~4 btc out of coinbase in time.
This fork was foretold weeks or months ago. Sure, the precise timing of the fork wasn't known until July, but everyone has been talking about "bitcoin's gonna fork" for ages - even hit hacker news multiple times.
Bitcoin holders need to take responsibility for their own holdings, especially when there is no FDIC or any type of assurance that your coins are going to be your coins.
