I think she's absolutely right in her opinion.
Business continuity insurance is cheap to buy (when there isn't a pandemic) and any reasonable level of commercial management would have ensured they had it in place.
Not having it in place is a deliberate act, you set your insurances, you choose what you do insure for and what you don't. The rule of thumb is that you can choose to not insure against risks that you can handle yourself but you always insure against risks that you can't handle. In the same way that a lot of people don't insure push bikes or mobile phones but almost everybody insures their property - and those that choose to pocket the money instead of insuring their homes have nobody else to blame other than themselves if their roof blows off and they can't afford the repairs.
From the sound of things, a lot of clubs don't have adequate or appropriate insurances in place and that's their entirely their own deliberate doing. They chose to take bigger dividends by not insuring and then they expect others to bail them out and, in my opinion, they can go whistle.
If some if them go out of business then that'll be a self-enacted cull of the stupid and the more astutely managed / less greedy clubs will continue.
It's a meritocracy whereby those who merit survival do so and those that don't don't, because they don't deserve to.