I know a travel agent - in an area with a large number of private and corporate clients who prefer to pick up a phone to arrange all their travel - who reckons he diverts 15-20 seat/sector sales per day from Ryanair to other carriers, once the clients know that if they want to travel FR they must make the bookings.
He has charged his clients an admin fee for years for booking their loco flights on zero commission, and they are happy to pay.
Ryanair can - presumably - afford to lose travel agency business at the moment, even when that loss is extrapolated to the whole of Europe. But as times get harder it, just like Easyjet, will need the friends and customers it seems determined to lose when it doesn't need them.
Cash reserves can melt away alarmingly fast, and Ryanair is now just as vulnerable to rumour and consequent negative cash flow as the competitors it has tried in the past 18 months to destroy by rumour.