Yep, it happens
This happened at my home game a few weeks back, where the bank was significantly short. Fortunately, in my situation, it was an argument over who would cover the loss, so the host actually wound up with extra money and a directive to buy better beer for the next week.
I know that financial situations vary, but while it's appropriate for the guests to offer to cover some or all of the loss, it's equally appropriate for you to be willing to eat the loss if they don't.
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