As I wrote higher up, guaranteed wildcards allows both for points maxing and to race and target the races that matter to the sponsors. They are not paid to get points, they are not paid to be WT. They are paid to be present and to perform in the biggest races. WT license, points, and guaranteed wildcards are means to an end.
They have a team that even if relegated still will be able to perform in the biggest races and with very good prospects of a good race program in the coming years, which puts them in a prime position for the next promotion and relegation round.
There is no immediate catastrophe in sight. There certainly doesn't have to be. For that, either Lotto should pull the plug or the best riders flee, but I doubt that will happen.
You are really looking at this from a best case scenario point of view. I agree WT license and points are means to an end. But not only did they get no substantial WT points in the spring classics, they were mostly not even on camera. Best move was Moniquet and Vanhoucke in LBL because they were two in a break of 6(?) guys. That has basically been their best effort in terms of sponsors. And these are exactly the races their sponsors expect them to shine. These are Belgian/(mostly) Flemish sponsors, and one of their two major sponsors (Soudal) has already ended their sponsorship for next year. I already mentioned that. So as it stands, it is already
a tiny catastrophy for them and they are already
at a disadvantage compared to the scenario you are pushing.
When you say ''they have a team that even if relegated still will be able to perform in the biggest races...'' what exactly do you mean by ''perform''? Yes, their team will be present, but if they perform at the same level they have performed this year, then again, they are in big trouble. As i mentioned before, they got most of their points in the small races this season so far, not in the big races the sponsors value. So for them to score points AND please the sponsors at the same time the next three years, they need to score points in the big races, which is EXACTLY what they have been failing to do with their current team, even assuming they can keep all of their current riders.
In conclusion, they already lost one of two name sponsors so they are already in a squeeze. Your scenario assumes them to perform and get points in the big races which they have failed to do lately. All their development riders don't have long contracts and many (likely the cream of the crop) could leave, which would be a huge blow for Lotto considering they have always relied on their development riders to move through the ranks. And you disregard the chance that some of their major riders will be leaving.