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Online shopping needs money.

Which most people won't have much of if they can't work.

Speak for the US. ;-)

Some countries have health care systems that continue payment when you’re ill or in quarantine. At least for a while.

As much as I want to believe in that I doubt any system could support even 20% of incapacitated workers at the same time. Most healthcare system in Europe are barely at equilibrium.

There were a number of stress tests, not necessarily for the health system but for the similarly funded unemployment and social systems. Overall it worked quite well in most of Europe.

And even if they do have money, the uncertainty around makes people more cautious when spending, limiting unnecessary consumption.

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