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COVID19 Travel vouchers

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Newbie
If you accept travel vouchers in leiu of a flight refund, would these be invalid if an airline goes bust?
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If an ABTA travel firm or ATOL protected, there are certain limited protections set up to protect your funds if you accept a credit note.
[Board Guide - might be worth merging here
https://forums.moneysavingexpert.com/discussion/6116632/why-are-travel-businesses-offering-credit-vouchers-instead-of-cash-refunds#latest]
And, does a £5k voucher mean you have to buy a £5k holiday or 2 smaller holidays say?