service providers.. like bitpay and other retail/consumer direct swaps.. no..

service providers.. like exchanges with bitcoins altcoins and fiat.. yes..

exchanges "orderbooks" are not directly linked to funds stored on private keys. which allows them to make 'ghost' orders. and when things go bad that they have made a loss on the ghost orders because theres not enough coin or fiat to fill the withdrawals. they cry out the standard "we have been hacked" mantra. and then go into bankruptsy