I was one of the last full time EFT QFIs in the RAF. As the EFT in all three services was going to the lowest bidder, one question constantly being asked was "What if the provider goes bust or fails/refuses to provide the service". The answer was "That won't happen as there are enough contractural safeguards to prevent it".
We all thought the whole system was badly thought out and naieve in it's concept - and estimates to how long it would take to fail seemed to be a fairly consential 10 years amongst us cynical QFIs.
OK, it's taken nearly 20 years - longer than we anticipated. But we did know it would come.
What a farce!