As an analogy.
A friend who in the UK has paid his water/rates promptly every month for the last decade or so suddenly found the company had debited a years amount (thousands of pounds) from his account in one transaction soon after the lock-down, with no explanation.
Another friend who had business continuity insurance that clearly states he is eligible and covered has simply been refused compensation by a large insurance company (AIG) who have forwarded him amended terms and conditions that are undated and likely whipped up in the last few weeks. A f--- you to all their policy holders and they well know it, and blatantly illegal, but they'll fight it for years with expensive lawyers to delay paying anything out.
My point is the travel industry isn't any different, they'll screw you as far as they can, pushing the limits and breaking T&C's until the publicity gets too horrendous, and even then many will not back down as the hit would be too great.
It's safe to expect behaviour to be of the worse kind in most cases.