In WAMU case, creditors are paid 100% because there are enough assets to pay them and so there is no such thing as protecting Safe Harbor assets from creditors.
What they are protected is that they cannot be seized and then sold for 1.9B as well as other assets owned by WMI.
Sure after 2012, all assets were liquidated and sold by ... WMI Liquidation Trust per POR 7 but that is extra money on top of 1.9B.
And that's we count on to be paid with. Anything on top of 1.9B after paying the creditors will go to pay escrow.
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