If they remain open. That might be about a coin-flip on average at this point.

As a moral issue, we are choosing to continue to pay our every-other-week house cleaner to not clean our house. Everyone else is getting paid iff they provide current goods/services. We have our own financial survival to look out for until more is clear about the economic outlook.

I don't know what to say.. Do you want your local food and bars to remain in business? If so you have to prepay. If you buy a gift card you are basically insuring them against default. I am sure they will factor in some loyalty reward. Restaurants and bars close and change ownership all of the time.

I mean this is what unemployment and governments are for. To insure losses in the extreme. We should have policies and procedures where a 2-4 week or month lockdown doesn’t destroy you financially. That gives the economy and people time to adjust.