I did not read either article in detail, so I am not quite sure what you are asking. But here is a little story that was related to me by my Dad who lived through the 30's, when there were a lot of banks that failed. There was a farmer that had a farm loan with a bank, and also a substantial amount of money in a checking account at the same bank. The bank failed and was closed and the farmer said it is no problem on my part, because my farm loan was more than my total in the checking account. So he was not concerned, but when the regulators came in, they sold his farm loan, which was an asset to the bank, to another lender, that was sound. The farmer ended up having to pay that loan off anyway, and his checking account money, which was a liability to the bank, ended up being listed with the unsecured creditors, and he never was paid back any of it.