Dash was unrelated to United. They simply bought miles from United and rewarded them to customers for purchases. Any company can do this from the United web site. Because of this, the company that owes you the miles in Dash, not United. As an example, assume a car company offers you a govt savings bond as an incentive to purchase a car from them. You purchase the car, and the company subsequently goes bankrupt and you never get your savings bond. Is the U.S. Govt responsible to get you that savings bond? Of course not, the company you entered into an agreement with was the car company and they are completely responsible.