Then your fucked isn't it.. Everyone is... Everything grinds to a halt. But we aren't there yet are we... It's that bank and it's customers that have deposits that aren't insured up shits creak as they have to wait for the liquidators to sell assets, which will then be used to pay creditors back in order of seniority. Meaning some people will get back everything where these is a first charge, others might not. Though if they wait 3 years or more, most people will get back there money (so long as they don't sell down there loan books at a lost).