> people won’t make payroll, and employees who have no responsibility won’t get paid

This gets repeated over and over, but just like depositors have the highest priority to a failed bank's assets, so do employees of any failed company.

So, if a company goes bankrupt because it can't access funds stored with a bank, first stockholders would get wiped out, then debt holders, and only then employees (when talking about salaries already owed - of course, the company can fire staff to try to avoid bankruptcy).