While OP gave examples when person lost money by thrusting bank, there are much more examples when people lost money to crypto scams and hacks.
Users should be aware of the insurance coverage provided by banks. While it’s unlikely for a bank to shut down, the risk still exists just as described in the OP. As per insurance policies, deposit payouts are limited to the maximum coverage allowed.
on the other hand, when it comes to crypto scams and hacks, these are mostly due to user error, a lack of knowledge and preparedness puts us in a high-risk situation, making us more vulnerable to losses.
It is important to always keep in mind that in crypto you are your own bank. So if you make mistake and compromise wallet/ private keys it can cost you all your. funds and there will be no safeguards or government to return your funds to you.
There’s no insurance here, and that’s the biggest risk of managing our own bank. But in exchange, we get to fully enjoy anonymity especially if we store our funds in a non-custodial wallet.