I think anyone with payment problems should be dumped. Late payers, people who can't afford it...i'm sorry dump them.
They may have the best intentions, but they are not good for your business.
The current situation, I think will get worse, before it gets better. But if affects different people in different ways.
I had a custy today who told me both his pensions went up in April and he's doing really well. He put my clean up from £22 to £25.
My opinion is don't over think it. Keep going, keep cracking it out, keep getting new custies, however you do it.