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So I heard all the Alexina's channels crashed...
Yeah, it isn't the hacks, however, it is also not the servers. The severs are not "crashing" in the normal sense. (To tet this, drop an accessory and wait to D/C. When you log in, the accessory will still be there) I believe that Nexon's ISP is having problems, or possibly getting DoS'd. Repeat: this is (most likely) NOT a problem with Mabinogi!. This is further backed up by Nexon's site being down/extremely laggy.
The 101 lag is separate from this. The 101 lag is caused by the game having to do "on the fly" decryption of graphics files it needs, thus slowing it down, and explaining why graphically intense areas (Like Tara) result in so much trouble.