Im pretty sure those wirecard companies all had the mandatory money in the account. They just did more damage than that.

I don't know what that example is supposed to prove? Everyone in a business relation with one of these companies can make claims against them. The problem with Wirecard is rather that the 25k of each of them aren't going to make up for the massive damage caused by Marsalek. Then again, I don't think we should structure our systems to expect the blackest of swans that guy was.

The 25k are intended to ensure liability coverage for very small and young companies, not giant corporate networks with billions in backing (well, theoretically anyway... hah)