"<a href=""https://www.youtube.com/watch?v=EzBYQ72w-uI&amp;t=5m02s"">5:02</a> Top comment. *This is EXACTLY what a bank is", and this has been it's core and central business model for the past 200+ years. This EXACT business model is the very reason why the Great Depression wiped people out, and why a lot of older people (60+) stuff money into the walls, furniture, and floor boards, etc.<br><br>[Not Legal Advice] That said, if you become a creditor in the event of their failure, you actually may have <b>more</b> leverage to recoup assets. Generally speaking, creditors can place liens or enact asset forfeiture to cover the loss, and additionally, the losses may be able to be written off for tax purposes, which, you may be able to "carry forward" into future earnings years to offset or eliminate taxes for a time (the Amazon strategy). You would most likely only have this possibility under a class action as a collective of creditors, provided the language and terms of existing/prior agreements/obligations don't conflict with your standing