The UK government will take care of them if they cannot find a buyer in the mean time. Everything is fast tracked but come on,,, no need to mention anymore about them being affected by this in terms of morale.
Do you think Derby players are playing better or worse because of their financial problems?
Or Barcelona? Maybe they were playing really bad at some point but this was because of a bad manager and losing all their players due to a bad board and bad mistakes. The finances alone does not make a club have low morale because if they did,,, then they are a weak club anyway and do not deserve to play

One thing is the financial problems of the club (which the players may not even feel because their financial interaction with the club is in accordance with the contract), and another thing is the change of ownership, which can lead to a radical change in the policy of the club. In the second case, the future becomes very uncertain and this affects the players because they think about it. Professionals, of course, know how to abstract and do their job no matter what, but still, at least a little bit, it affects them.