If they discuss their internal financial problems, there will be no end. The condition is already very bad and even deserves to be disbanded since 2021 yesterday. How can such a big club lose out on its journey so far. The pandemic is only 2 years old and cannot be used as a fundamental reason for their club. The best way is that they have to get a large injection of funds to pay off debts due to poor financial management. Selling the club to investors who are ready to take on the debt.
Even big companies faced disastrous financial problems due to covid although they have much funds. Barcelona was counting on many ressources that was cut suddenly especially supporters tickets, selling soccer related stuffs and so on.. In addition to spending without limit, inflated salaries and buying many useless players, some of them played less than 5 games per season...
Fixing the whole thing doesn't require a lot of effort, get ride of them. The clever solution they got for Umtiti, who refused to leave earlier, is to reduce his salary so he can stay in the club until 2026 in the new contract so Barca can sign another player. Damn cleverness and temporary solutions! This won't help them at all in the long term.