If by “creditors” they mean people with accounts, the only “constructive conversation” I would want to have is, “Here’s your money”.
But they aren’t holding dollars. I am sure the account holders are looking to convert back to dollars, unfortunately for them they are trying to sell something that has much less or no value now. Can’t liquidate unless you have willing buyers.
I’m sure Biden will offer reimbursement, just like the student loan program.