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I am sorry to hear this.The bank does not make guarantees. And the bank does not provide advice unless you retain someone at the bank to be your advisor.
In fact in most cases the bank advises against self-directing RRSPs for this reason.But it is not their duty to do so.Your spouse assumed liability for her own investments but then failed to monitor them. Unfortunately, she cannot blame the bank for this.I am sorry to have to give you this answer but you won't be helped if I just tell you what you are hoping to hear obviously.