Not quite true. Nobody has lost any insured money in a bank failure. Up to the FDIC limit. Plenty of people have lost money due to bank failures who had more than the insured amount in their account.
Strangely enough, very few people with balances over the FDIC limit actually lost any money due to the larger bank failures which occurred in 2008 and 2009, because the U.S. government brokered agreements with other large banks to buy their assets whole in exchange for some big tax breaks. Wells Fargo's purchase of Wachovia, for example.
Wells Fargo took on almost $30B in liabilities which would normally have made the purchase impossible, but the U.S. government relaxed some laws and allowed Wells to declare those liabilities against future profits to reduce their tax bill. Essentially, the U.S. government bailed out the bank customers of Wachovia.
However, a good chunk of the bank failures since 2008 were liquidations and any customer with a balance greater than the FDIC limit will have lost the difference.