I feel for anyone struggling right now, and do think Disney could use this opportunity to offer some goodwill, BUT... these FL annual passes are not a monthly subscription like a cable bill. They just allow you to either pay in full or pay it out without interest.
Lots of the local passholders go multiple times a week - if someone visited 100 times in the first 6 months, we can all agree they got more than their monies worth of the value of the pass. So why would they all of a sudden expect to only pay a fraction of the cost for those 100 visits because their situation changed?
This is a good example of why you should think twice before you commit (with a contract) to pay something out instead of paying in full at the time of purchase. You have to be ready and willing to keep that commitment even if things change. Hindsight, I know. I do know quite a few local passholders that choose to pay in full so they don't have to worry about a monthly payment, even though it's interest free.
(maybe Disney could take into account how many times a passholder visited in that pass before saying "nope" but that could open up a trend they don't want to deal with... )