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Really sucky to hear this is happening to others too. Did a search but it seems that few people encountered or noticed the bug.
This was exactly what I experienced too... :(
I thought so too but I had screenshots of my in bank cash amount and it didn't change after the post heist cut scene. I also checked my bank transaction log and it didn't show there.
This might be possible but there were no "saving failed" or "unable to connect to cloud server" type errors. Even so, GTAO's architecture should be robust enough to handle such issues.
Anyhow, I am taking screenshots of my bank balance pre heist now every time to compare. I hope it is a one off issue and not some kind of Sharkcard related practice...