There are (broadly) similar guarantees in the US. So they will get the money back, at least eventually. The problem is the effect it has when the account has

There are (broadly) similar guarantees in the US. So they will get the money back, at least eventually. The problem is the effect it has when the account has sometimes been debited 2x. If this has made, say your rent or car payment bounce, you have an big hassle at minimum.