Is it realistically possible to structure things so that an organization cannot fail within some time window? I'm skeptical. If there's some wind-down (or refund) money held in escrow, it's reasonable to expect that maybe a semester window might be realistically possible. A couple years probably isn't. It would be a lousy situation especially to the degree credits weren't easily or fully transferable but it's not clear to me how much power the government has to do something about it.