Woodside entry and stabling, like Galway, is paid to USAE, not Kellerhouse. Other smaller upcoming events (i.e. Shepherd Ranch and Woodland, where I volunteer) specifically state no refunds in case of cancellation. If your friend is so concerned about whatever it is they are so concerned about, why didn’t they ask?
Re your virus concerns: Here in nor cal I can drive an hour max in any direction, 30 minutes or less if I go north or east, and find plenty of one night to 3-day, indoor, team ropings and gymkhana every weekend, most if not all announced publicly via social media. Perhaps you should advise them that they have too many horses in a small area and see what happens. Since you like bets, I dare you to wear a mask.