Simply put it's because they have other concerns. Which adds an unquantified amount to risk. That "unquantified" part is fine for horse races but not for bankers. Here we are reminded of the fate of Eugene Lawson, Ayn Rand's "Banker with a heart". It wasn't pretty for his depositors either.
I note that Yellen has announced the Feds aren't bailing the bank out. It means that they are, they're just going to call it something else.
"Stakeholder" is a weasel-word used by stealth Communists to insinuate ownership rights over things that do not belong to them.