It will be interesting times for the lower ranked teams as you say some are having a hard time keeping their players to play for their country because they can earn better money elsewhere. I also think this virus will have an affect on some teams as not many are able to play cricket right now due to the virus and not many are playing domestic cricket so it could put a halt on young talented players coming through.
Even here in India, the 4-day domestic tournament was cancelled for two consecutive years (2020 and 2021). The ODI/T20 tournaments took place, but the number of matches were reduced. It not just affects the match fitness of the players, but also their financial capability as well. Because these players receive a payment of ₹140,000 for each 4-day match, while the salary is just one-fourth of that for the T20 and ODI matches.