[UATrewqaz]

This is almost certainly correct.

Say a bank (I know Neteller isn't exactly a bank) has a couple of executives who are up to illegal activities. They get arrested and the bank's assets are frozen.

I doubt they can say "well the bank did bad, so we get all the customers money"

If they want the individual customers money they would have to go after each individual customer and prove they did wrong doing.