Money laundering is a different kind of a problem from what we're talking about here, though. Those are mostly KYC or internal controls failures - I'm not saying they're a good thing but they're not impacting other customers of the bank really.
Find some recent example of the owners of a bank/exchange absconding with their client funds: that would be closer to the matter at hand.
Last example of a bank failure where ordinary people lost a lot of money I’d say was the failure of Lehman Brothers. Lots of risk averse retail investors were sold Lehman certificates with somewhat better yields (“mini-bonds”) because Lehman paid high commissions to the retail banks, eg in Germany and Hong Kong.
But you’re right. Mostly the normal banks and exchanges are regulated and incidence of fraud is low. A lot of that regulation is “lessons from past failures”, which crypto hasn’t had yet.
Did any customers actually lose money over the Wirecard thing, or was it just the shareholders and lenders that lost out? I couldn't immediately find anything about customer losses.
Find some recent example of the owners of a bank/exchange absconding with their client funds: that would be closer to the matter at hand.