Stem cell and sperm donor banks are usually protected with the backup for storing the content. So if by any chance financials affect the organization, in such case the transfer is made to another organization and the insurance policy takes care of the transfer. So basically when you pay for freezing DNA or other content or stem cells then you're in contract with them. And they pay for the future issues arises or have problem.
Govt organizations in stem cell and donor banks are usually monitored and controlled by government. So they don't have much issues with the financials or in case they go bankrupt.