I think they were referring to a scenario where Amazon is draining the funds that have already been loaned. Thus Amazon already has their money, and the bank is the one coming after you during bankruptcy.
Not sure how it works in OP's country, but where I live, when you get a loan, you will get a new account. As you draw the loan, you are getting into negative balance; how far you can go is the limit of your loan. As you pay back the principal, you are getting back to zero balance.
So for Amazon draining loaned money, they would have to transfer them to a normal account and pay with debit card paired to that account, with no limit set.
It is not wise to transfer them to a normal account; you pay interest for the balance on the loan account; if you move them to your normal account, you are paying interest for money that is sitting on your normal account.
