The EFL has confirmed that 51% of clubs in either the Championship, League One or League Two need to agree for a campaign to be curtailed.
If a season is ended, the final table will be decided by an unweighted points-per-game system.
Anyone with a threat of relegation, but not in bottom 3 will vote to end the season, anyone with no chance of playoffs - will vote to end.
Leeds & WBA - would be promoted & thus, vote to end - so, you need 13 clubs in Championship, which I think will happen - given that you could probably put more than that in those categories now.
If season is ended the teams can then claim upon their business interruption insurance and plan for next season, no need for short contract extensions for players they don't want (loanees & players out of contract) - hence, saves money - mitigates risk!