I would hope that regular snapshots and projections were done, on various scenarios:
best case, season started but full crowds by Sept/Oct
worst case, no crowds in 20/21
sone scenarios in between
But, even if this scenario planning did take place, Mel just went with the most risky / reckless option. Other clubs didn’t, they scaled back. So did Derby to some extent, but you still sacked Cocu at a huge cost. You still spent more than us on signings.