Pretty sure all 5 Clubs at the foot of Division 2 are in financial difficulties. I wonder if the EFL will be a bit quicker to act in the close season? I actually thought Carlisle were "OK" - then I read the following: www.carlisleunited.co.uk/news/2019/november/club-answers-to-recent-fan-questions/. See question 7,8 and 9 around the ownership by EMW. Question 9: "People are sick to death of EWM's silence. The longer this goes on, the more frustrated fans become, and their respect for EWM sinks". Mmmm, ring any bells? Seems like CUFC are in a similar boat to BRFC, though EMW are all allegedly life-long CUFC supporters. Dwane Sports has one director who is a Rovers supporter (who's support goes back almost 4 years) and 3 directors who would appear not to care.
If you're being absolutely brutal about it then what's wrong is that a club that can barely get 2000 through the gate thinks it can survive as a football league team. The current owner might not be a great guy but they've cycled through quite a few in recent years. If they cut their cloth and accepted that, without a rich owner prepared to burn through money, they are probably a Conference/Conference North yo-yo team at best then they'd probably be fine. But their relative success over the years as non-league overachievers has arguably created false expectations and assumptions about where they need to be in the league structure.
Bury experienced something similar. At some point you've surely gone through enough owners and bankruptcies that you probably need to accept that you need to scale back your ambitions somewhat. Very difficult for Bury, who despite collapsing crowd numbers over the last two decades, continued to see themselves as not just a football league club but a potential Championship level one and probably pretty difficult for Macc to accept too.
That's not to say you can't do it - Morecambe and Accrington have managed. But it's bloody difficult without stability off the field.