I don't know where you are from but every country has different banking laws, it is impossible for customers in my country to experience this even though there are quite a lot of banking scandals such as hacking that make customers lose money.
From the cases you mentioned, it is indeed very unfortunate but it is not a guarantee that if you save Bitcoin you will not experience loss.
You read and hear how someone lost their bitcoin on an exchange because the exchange was hacked, or their wallet was hacked because they did not save it properly or because they just clicked on a link that contained a virus and other dangerous things, so saving in Bitcoin is very good but it does not mean that Bitcoin solves all the problems that occur in the cases you mentioned.
Yeah I agree, there are nations like that, my nation is like that too. If a bank bankrupts and closes shop because they have no money left, that means they literally lost your money, so government does guarantee your money to a point, and also the government takes over the bank itself as well, paying people up to a certain number, and then they sell every single thing the bank owns as well.
This includes anything like 20 story skyscrapers to a single chair in an office, they sell literally everything, mostly done in auctions, some done in ecommerce that government has for this purpose, you can get cheap stuff for your office there mostly. So in the end, people do get some of their money back, but not all of it, I mean if you have very little, like if you have 10k in it, then yeah you get it all, but if you had like 50 million in there, you can waive that goodbye.