1. In this Newseek.com article in June 2018 titled   ‘Star Trek’ novels reveal Picard’s possible future in new series  , it tells about 

 

Borg Invasion of 2381

Picard had a handful of post- Nemesis confrontations with the Borg, but nothing like the massive invasion of 2381, which wiped out 40 percent of Starfleet and killed tens of billions. Picard’s long history with the Borg (he was once assimilated) leads him to some dark places, including commanding the deployment of the same genocidal thalaron radiation weapon wielded by the Romulans in Nemesis(Geordi La Forge refuses the order). " This is shown in the "Star Trek: Destiny " Novel , Book II Mere Mortals,  while this may not be a fully "Canon" The Federation would Not be having these problems if Kirk was around in 2381 -