It is not business as usual for many people that I know. A couple people own business; a salon, an eyebrow threading place, a couple restaurants. They still have to pay commercial rent, while not earning income. Which is fine for a month or two, but if it goes beyond that, they will be in deep trouble. Then I've also got friends that are waiters/waitresses/bartenders who may or may not be getting paid basic wages, but definitely aren't getting tips. Then I've got friends who are in construction or landscaping that aren't making any money whatsoever. And before you mention again how they should be prepared with an emergency fund-conventional wisdom is approximately 3 months salary saved. If they make 50k a year, so they would ideally have 12k saved up for emergencies. Which, depending on their circumstances, will last them 2-5 months. And that's hoping another emergency like health problems don't come up.
Then there are other people in the hospital where I work (for reference there were at least 10 known positive COVID-19 patient's in my hallway alone today, not including those who are waiting for tests), that were taking care of elderly family members, who now are staying with friends so they don't get those family members sick. Personally I'm stuck in my basement during this time, since my grandmother just got out of the hospital and I'm not risking anything with her.
So yeah, at least in NY, it's not business as usual, and I suspect the rest of the country is not far behind. If it's business as usual for you, I'm genuinely happy for you. But don't take that for granted and assume it's the same for everyone. Be grateful, hope it stays that way, and thank God (or whatever you believe in) that you're not being impacted by all this.
I want to thank all the people working the hospitals in any capacity. They are warriors on the front line of this thing.
I believe I did mention restaurants and certain parts of the country (I did not want to single any area out). I do understand New York is in a tough spot. With the population density there (67,000) vs. the national average (9,000), one can see that NY was a ticking time bomb.
I also have friends who work(ed) in non-essential jobs that are going through tough times. I know several of my friends have started working as drivers for the various delivery services who are likely making a killing right now.
The main point of my post with our friend across the pond was that we do Not need to reinforce fear mongering. Global news has a way of painting the worst picture possible on most things.
In our area most all people in a skilled trade (carpenter, plumber, electrician, etc...) are working. I see a lot of landscapers mowing grass as well (it is spring flush here so the grass is really growing). A lot of our factories are shut down and that does amount to a considerable amount of people not working. Every store I have been to is staffed.
As far as savings and an emergency fund, the effects of this pandemic on daily income should cause people to see the need for one. For some who did have an emergency fund may find it had not been funded enough. No, we can never fully predict what financial hits we may take in the future but something is better than nothing.
So what do you suggest we do? Set back and cry for the government to take care of us? This kind of thinking comes with a steep price that I for one am not willing to pay. Just because we may be out of our comfort zone, out our normal, from a silent enemy how is this anyone's fault?
I commend our government. They are doing everything possible with a tough enemy like we have never faced before. It is All new territory. It is much better that information be disseminated as best as possible before putting out to the pubic.
FWIW, I do thank God everyday, for all things good and bad. I wish more people would reach out for His strength and comfort.