Don't take this personally but i've been hearing this for 25+ years now with no indication that a big hitter is going to come a cropper. The money invested in the premier league has grown year on year enabling even provincial football clubs who have made the promised land to spend £20m+ on a player. That's why 80% of EPL teams target at the start of each season is simply to stay up.
When teams have spent big, been relegated and find themselves facing further relegation from the championship the following season that's when the problems stack up. Bolton the perfect example.
Teams like Pompey, Sunderland, Blackpool, Ipswich, Bradford should not be where they are in League's 1 and 2. Fans of clubs like that i can understand having sleepless nights but there is never going to be a collapse at the top of the game in England.