BlockFi has now filed for bankruptcy, Celsius paused all transactions and others are following since FTX collapsed. Is our money/crypto gone and irretrievable?

This is getting more and more insane. Many of us were aware that not our keys not our crypto but put some of the funds in these “trusted” apps for interest as they promised with their protocols, safety measures, insurances and were trusted by “respected” people in the industry.

Since the whole thing is not regulated does this mean everyone’s money is gone?

I know it was a mistake but what can be done now?

p.s, how is SBF not arrested yet? It’s the biggest fraud of at least modern history and he was openly tweeting about being a fraud.