It doesn't matter to their customers if it crashes or not after they do this because their money is mostly gone. The moment they open the ability to withdraw again they'll have a bank run that's going to end their company. Most people probably aren't getting their money back anyway.
People should no better. There's nowhere you gonna go make almost 19% interest on your money and have it also be safe as a regular person. If you go somewhere and they're paying that the risk is off the charts because they're making far more.
The terms of service I bet most didn't read effectively says if they hit trouble then your account is theirs for the taking.