The US has a very good level of testing/mask usage. And, to be blunt, just wear a mask and wash your hands...you will be okay. I understand why some groups of people are very worried: if you are obese, if you are over 60, if you work in a hospital/care home...but if you work in an office, it isn't a "Hunger Games" situation.
I don't think furlough/unemployment schemes necessarily created that incentive though. People in some places are clearly being very cautious (I am in the UK, people aren't wearing masks and not being cautious at all...I have seen larger crowds at pubs than ever...no masks) anyway.
So I think the solution to the unemployment problem is a change in message from govt. If you take precautions, you will be okay (again, where I am the message was very urgent and serious...this worked at first but some people are ignoring totally and others are staying at home terrified of their own shadow...so who knows? But I think it would have success generally).