These are unprecedented times and I think airlines are doing their very best. We need to wait. In the hope that airlines will survive.
Let's not confuse the issues here, please.
It's one thing for us all to acknowledge the difficult times that airlines are going through, but it's another to give them a pass when the are breaking the rules (requirement to refund within 7 days) and treating their customers extremely badly.
Both AL and Ryanair have been strategic, with regards to withholding their customers money. Let there be absolutely no doubt about it. Nonsense excuses about not being able to arrange refunds until all Ryanair staff were back in the office for example, was just plain bull.... given the technical capabilities available to companies etc.
The airlines simply elected to say sod the customers, who cares if they might need their money back (or even just want it back, given its their money!), and eh, sod the EU too, with regards to regulations on this issue. Let's keep all of the money as its cost free working capital, while if we go bust, then the customers will only be unsecured creditors, so no problem for the airlines, or their owners.
Airlines have the ability to raise funds through their traditional lending channels, or the corporate bond market, or to tap up the equity markets (by a rights issue, or simply putting more shares into the market), or to even try various governments for loans or subsidies. All of those things cost the airline owners money, whereas stuffing the customers doesn't cost them a cent and actually helps them. That's the reality of what's been allowed to happen, and its up to the customers to oppose it, if they think its wrong - as I most certainly do.