It sounds like you shouldn't join a startup then. The very concept here is that you're taking some of this risk.

Planes prepare for basically 0 chance of failure.

Most startups fail. And everyone involved should know that going into it.

To operate a startup protecting against all risk will likely guarantee failure in almost all cases.

Do you run a business? How much reserve are you saving for if you go bankrupt? Can I see a screenshot of it?

No one is being shafted. With each paycheck, the obligations of the company are met.

You are not “owed” X amount of pay after you lose your job. Maybe you will get it. Maybe you can negotiate it in your employment agreement. But getting paid your agreed rate for hours work isn’t “shafted”