Yeah, it doesn't help and I'm sure everyone empathises and understands that it does indeed suck for you to have missed out primarily due to circumstances out of your control.

This is probably no solace but using your example of bank account cleaned out, In XWC's situation it would have been the equivalent of you coming back and finding out the whole banking system had collapsed and everybody had nothing.

That is what would have happened, as explained by Oizopower a few posts ago, there would basically have been no XWC if it had not happened.

Fortunately the great majority of coins did get swapped, unfortunately a minority did miss out.