When trying to stop bank runs the problem with suspension

Question

When trying to stop bank runs, the problem with suspension of convertability/a bank holiday is

1. If you suspend convertibility for everyone (as governments often do) some people will suffer greatly
2. You have to suspend just the right amount: too many, and there's a bank run, too few, and people suffer
3. Unlike deposit insurance, if you don't clear up the underlying cause of fear that caused the run, it can easily return after the suspension ends
4. All of the above