Disease: I think this one is unlikely, but an extreme amount of death due to Covid within JW.org could lead to not enough R&F drones to keep things going. Potentially leading to the financial scenario.
Perhaps it’s the take-the-lead drones dying off that could really lead to the collapse of the Org, at least as we know it (fascistic, controlling, demanding, guilt and fear inducing).
I think the only reason they’ve been so careful about COVID-19 is because it’s the LEADERS themselves - older, heavy, unfit even morbidly obese MEN - who are statistically most at risk of death, or at least long term debility, from Covid.
If they all die off we may end up with women leading the Org....heaven forbid!!!!