I'm basing the £1m figure on figures I seen floating about for Liverpool for 3 months and assumed it to be similar.
None of us can be certain how long this crisis will go on.
But do you really see the world getting back to normal within three months? Will we have herd immunity by then? Not a chance, according to epidemiologists. We won't be remotely close to the minimum 60% immunity rate required. Will we have a fully effective, safe, properly tested and universally administered vaccine by then? The most optimistic informed estimates (I discount Donald Trump!) suggest that we are at least a year away.
I'd start the guesstimates as to when football might be allowed to return to normal at a year from now. I don't think that's unreasonable. And I'd suggest that any prudent club will be working on it as a best case scenario.