If you are not running any business, bank, exchange, you are not responsible to handle withdrawal request of anyone, any user, so no insolvency risk.
Your question is very misleading and confusing. Cryptocurrency owner or cryptocurrency founder, what do you mean?
As a cryptocurrency owner, you are not providing any service and won't become insolvent. You only face with risk of loss your capital because the cryptocurrency you invest in turns to 0 in value and nobody trades it on exchange.
As a cryptocurrency founder, especially if you are running an exchange (CEX or DEX), you are responsible for solvency or insolvency for your users.
Example is FTX exchange, which filed bankruptcy after it became insolvent.
https://www.coindesk.com/policy/2022/11/11/ftx-files-for-bankruptcy-protections-in-us/