The depositors are innocent in this. Except where they were also shareholders or executives. The shareholders lost their investments. The executives got to pac

The depositors are innocent in this. Except where they were also shareholders or executives. The shareholders lost their investments. The executives got to pack up their personal items into cardboard boxes[0] under supervision by the authorities[1]. The vendors and companies doing business with the bank were also innocent but ended up being harmed by the failure since their outstanding invoices were never going to get paid. If you suspect a customer is going to fail - demand immediate payment. You want to be first in line. [0] Ironically, one brand of records box commonly used for this purpose is named "Bankers Box". [1] I have not-fond memories of doing this during layoffs.