The cost of switching off that infrastructure may be high, but it's not borne by the creditors. In any case, the article states that Visa and Mastercard will l

The cost of switching off that infrastructure may be high, but it's not borne by the creditors. In any case, the article states that Visa and Mastercard will likely revoke the Wirecard license on their respective platforms and most if not all customers will seek an alternative payment provider long before the bankruptcy is through. Presumably most of the employees will have sought greener pastures by then as well. What is left is a company shell with (maybe) some source code but no customers, no license, no employees and the name of Wirecard haunting it. Possibly also some leftover liabilities. Might as well start a brand new company at that point, if you want to enter the payment processing industry.