There are lots of instances where Banks and/or other financial institutions close for the night 'as usual', but then never reopen. What happens to all those acc

There are lots of instances where Banks and/or other financial institutions close for the night 'as usual', but then never reopen. What happens to all those accounts that are never able to be accessed again by their 'owners'? Examples: Lehmann Brothers in New York, Pyramid in Australia, that Scottish bank in England some 10 years back, Barings Bank, etc, etc. And there was also the Savings and Loan fiasco in the US around 1990. Most people lost the lot, or at the very least lost a goodly proportion of their assets.