Market forces will eventually prevail.
Either irate passengers vote with their feet, or else look at the fare, and think better of leaving.
If SLF wants the security of an overnight hotel when things go pear-shaped, the airlines will eventually grasp this essential service item and price it into the ticket. What would it take- a couple of dollars a ticket to fund a passenger inconvenience reserve? (Someone fetch me an actuary).
VHCU