Comment by anton-c

I know it's the massive exception but I was reimbursed when the exchange that tried to rugpull its users felt legal pressure. Things have changed slightly over the years - don't get me wrong, scams are still rampant.

It's been ages since I was in college and had an overdraft or some other bs bank related fee, but the bank manages to 'scam' you legally too. I'm just playing devils advocate and sharing an anecdote, I'm minimally involved in crypto anymore.