On the matter of schism of course it has already happened and there is a long history of fragmentation and many JW offshoots exist especially in Nigeria and Eastern Europe but these are studiously hidden from current JWs.
A funding crisis could lead to measures which would demand an adjustment too far even for the stalwarts. Groups of the disaffected who deny the authority of the present GB and 1914 could form but still broadly hold on to traditional JW doctrines. Such as Biblical supremacy and salvation, paradise etc.
Here though is the real world example of a cult winding down, note the pressure of cognitive dissonance and the moderating of cult beliefs towards the mainstream:
"In the mid-1930s Herbert W. Armstrong, an unsuccessful American advertising executive, founded a millennialist Sabbatarian Christian sect with a heterodox theology. Over the next half century, despite a number of setbacks, scandals, criticisms, and attacks from former members and anti-cultists, Armstrong's organization, the Worldwide Church of God, grew to around 100,000 baptized members with a world circulation of over six million for its flagship monthly magazine Plain Truth. In January 1986, Armstrong died. His successor changed most of the church's distinctive doctrines, leading it towards an increasing convergence with mainstream Evangelical Christianity. This created a massive cognitive dissonance in ministers and members: should they accept or reject the authority of the church leadership which had abandoned the authority of the founder's teachings? Groups of ministers left the religion to form new churches, taking tens of thousands of members with them. These schismatic churches in turn faced continuing schism, resulting in over 400 offshoot churches within little more than a decade."
(From Amazon blurb for The fragmentation of a sect, David Barrett)