Hope eventually you will have a good holiday bro, as I said I am glad they were more expensive than others I googled otherwise I would be in the same situ
I think this is where a travel business backed by a public blockchain would be ideal. There would be no need for ATOL at all and you'd know that your contract with both the airline and the hotel was immutable.
The only question is why you'd need the travel company at all, but I suppose a model where they just aggregate deals, setup the contracts and for that they could charge a small fee.
I did know they were no longer atol protected but have used them a few times since then anyway, it's also why always pay some of the booking on a credit card. Had it years ago when someone else closed and Barclaycard refunded it in a couple of days.