To be honest, if people are still paying large deposit's up front for a licence, whether CPL/ME or IR, you are nuts and can expect to loose it!
Take every business as a pince of salt and YOU control your money flow i.e. PAY AS YOU GO or even in very small lump sumps, in separate amounts.
This is exactly what I'm doing and I've taken action to minimise money I have in a flying account, in case of the worst ever happening - which you can never tell, but better to be safe than sorry! ... in short, I wouldn't loose much if a company went under!