These mechanisms are meant to protect.... This hasn't been a big concern for our membership yet. The loss of these mechanisms hasn't been felt yet. Mind you, there's been a lot of preoccupation with just trying to meet business operations during COVID, so that might be masking a lot of problems there.
However, the world hasn't ended. It doesn't mean that we won't run into problems down the road, but it's not a major preoccupation at the moment.