A friend and her husband were in the Philippines in February when the fit hit the shan. Internal flights were stopped instantly, so they could not get from their island back to Manila to come home. Their return ticket for April got cancelled, no refund until 2021. They had an opportunity to buy another ticket in May, laid out the money, it too got cancelled, no refund. No job back here in Oz to give them money, rent still due on their home here, no job over there, still had to pay for accommodation there, 2 tickets down the gurgler... no fun. Finally got home in November.
No fault of theirs at all.