To be fair the article is a scare story. Unlike you it doesn’t use the word “meltdown” which has Rangers & pompeyesque conotations but says “nightmare”
When you read the story all it basically says is that it will cost them alot of money because 4 of their players don’t have relegation clauses in their contracts.
Their owner has previously said (although not in that article) that the club could cope financially with relegation & the guy in the article seems to give every indication that if relegated they’ll fight (and spend) their way back up
That said I don’t think that there are any negatives in the way Latics are managed financially