That assumes a level of individualism that mostly doesn't exist. It doesn't matter if you are first in line if your customers are 1,000th in line: your business is going under either way.
If your business isn't B2B, then any customers that you have are almost certainly fully FDIC insured.
And even if you're B2B, if you're 999th in line and your customers are 1000th in line, you're even more screwed. If you're first in line you at least have some remaining assets even if you have no customers. If your assets evaporate at the same time as your customer base then you have nothing.
That wasn’t the point: they can be as happy as they like about making payroll today, but they’ll be screwed when their customers don’t make their invoices tomorrow.
