As one example most government procurements over a certain amount od money happen as e-procurements with strict time limits that can't be changed and bids need to be digitally signed. If you can't access digital government services you can neither access e-procurment site nor digitally sign you bid.
If there's no redundancy measure for the ID card system failing - for example, automatically extending deadlines - that's a problem, and an easily solvable one at that, since it's mostly policy. It's not something against the ID card system.
So if a person doesn't already have Mobile-ID and their ID-Card certs are blocked they can't get a Mobile-ID and thus they can't access any digital government services.
It's not like this is purely theoretical - large number of Estonian Id-Card will have their certs blocked and not everyone has Mobile-ID.
2. Mobile-ID requires you to pay for signing up and after that, 1€/month to your mobile provider.