Refactoring, trying to figure out how to get rid of mandatory `loadMore[Guaranteed]` methods without big backwards compat pains
diff --git a/src/main/java/com/fasterxml/jackson/core/JsonFactory.java b/src/main/java/com/fasterxml/jackson/core/JsonFactory.java
index c85652f..c68317f 100644
--- a/src/main/java/com/fasterxml/jackson/core/JsonFactory.java
+++ b/src/main/java/com/fasterxml/jackson/core/JsonFactory.java
@@ -442,6 +442,9 @@
      * @since 2.1
      */
     public boolean canUseSchema(FormatSchema schema) {
+        if (schema == null){
+            return false;
+        }
         String ourFormat = getFormatName();
         return (ourFormat != null) && ourFormat.equals(schema.getSchemaType());
     }