If withdraws are frozen then yes it would mean whoever's left in is insolvent - they can't make payroll. At that point, you'd need a fed bailout. Because they'

If withdraws are frozen then yes it would mean whoever's left in is insolvent - they can't make payroll. At that point, you'd need a fed bailout. Because they're FDIC insured you'd have up-to 250k coming back, but that's probably not helpful.