Advocating that a company change payroll processors over this single incident seems like a drastic over-reaction.
To put it another way, I have been paid via direct deposit for over 30 years and multiple fiscal crises. There is only one company that ever failed to get full payroll out on time
It might be fair to say that Rippling failed by choosing the wrong bank, but that’s a very different argument than saying that Rippling didn’t have a good backup plan. If all you’re going by is that you’ve always gotten paid (vs say knowing who your payment processor banked with and what their Plan B in case of bank failure was), for all you know your previous payment processor had no backup plan either!