BS”D
Gavra_at_work, we are assuming that kollel can continue as it does now when most are seeing a crisis in the system that calls for changes.
We are also underestimating our own capability for chessed.
What could end up happening is that the bikur cholim organizations that also offer medical referral and insurance assistance will take up some of the slack among unzerer, just as their counterparts in EY do when the bureaucracy does not provide proper social services for those who are suffering L”A.