So if/when the Canes are forced into playing home games with no fans, my recommendation to them is to offer returning STMs the value of their remaining unused regular season tickets and parking passes +5% to be used towards next year's tickets and parking (this would be an alternative to getting cash back, which would also be offered).
Way back in the day when the Whalers were taking playoff ticket money and then missing the playoffs, they would offer to hold your playoff money and apply it to the following year's season tickets, with interest (which was around 6% at the time). I wasn't a savvy investor back them (I'm still not) but I always took that as a decent goodwill gesture.
At the current pace of COVID19 developments and reactions, I would say that the odds of fan attendance for this Saturday night's home game against Pittsburgh is at best 50/50.