Why it's risky if Saemaul Geumgo goes under..

Regarding types like credit unions or savings banks..
The principal is guaranteed up to 100 million KRW, but
the problem is if a specific branch goes under,
due to things like claims and legal processes,
in the worst-case scenario,
your principal could be tied up for 10 years..
I avoided KB, Shinhan, and Nonghyup just to get a bit more interest,
but the downside is that the money gets tied up for a long time.