Being made whole several years down the line may not be better than getting liquidated as soon as possible.
In a extreme example, getting $100 in 10 years is not as good as getting $70 next month.
In a extreme example, getting $100 in 10 years is not as good as getting $70 next month.
If the asset/deposits balance hasn't changed much since December (which I'm not sure is the case), depositors are likely to eventually be made whole for the deposit amounts, but liquidity issues and facilitating sale of assets to make that happen may result in substantial delays. For depository accounts businesses relied on for regular operations, that...may still create substantial additional costs that will not be compensated.
So, in a more holistic sense, it seems likely that depositors will not be made truly whole for the impacts, even if they eventually recover deposits.