The fear is stemming from those not fully understanding those market metrics and not preparing with liquidity and "dry powder". 

Here's the complete list of bank failures since 2000:https://www.fdic.gov/bank/individual/failed/banklist.htmlIt's not banks - but the credit markets aka corporate bond market that is in turmoil and present a real danger:https://www.cnbc.com/2020/03/12/bonds-the-credit-markets-are-signaling-that-a-problem-is-afoot.htmlAnd, despite all the lessons and regulations stemming from the global financial collapse in 2008, derivatives are still way too dangerous and could create another crisis:https://www.bloomberg.com/opinion/articles/2019-04-10/derivatives-are-still-too-dangerousThe financial markets are complex; interest rates, cash supply, and bank health are not the issues. 

From what I gather, the power to do so stems from the Pennsylvania Supreme Court's power to declare a statewide judicial emergency.

Problems with financials almost always stem from the balance sheet.

Their question usually stems around one of the two problems:1) This was it!

Truthfully, I'm not overly concerned about bouncing back or closing or I wouldn't be making offers, but I can think of quite a few unique hurdles that stem from a delayed closing (which I'm certain will be inevitable given I am in NY).  

The current owners had an inspection done and showed many problems, including sub-grade shifting, cracked walls and ceilings, negative grading, and several other issues stemming from these. 

I must admit, my initial hesitation to proceed with changing the locks stems from what you alluded to.

We don't know where the problem is stemming from, and they won't notify the problem 'owner' if we can't give them a unit number.

There is a reason (stemming from life choices) why some individuals are meant to be landlords and others are meant to be tenants.Fighting Fire with Fire Attempting to justify & lecture why paying rent is the right thing to do and not paying is the wrong decision is just going to frustrate your tenant further.