Crypto isn't money. You are not a bank customer depositing cash. I'm not sure why their customers should be creditors at all, it's a bit like asking GMail for your emails back when Google goes bankrupt.
And I sure as heck would want by e-mails back if Google goes bankrupt. Google shouldn't own them, they're just an exchange for e-mails. The idea that another entity would buy those e-mails and do with them what they like is ridiculous, regardless of any juristic reality.