Speaking for Italy: at least part of the high number of deaths might be traced back to hospital infections (such as a massive outbreak in the hospital of Alzano Lombardo, which initially was kept open after a very brief closure) which of course targeted more vulnerable people.

Also nursing care homes make up a significant part of the deaths: some infected patients from elsewhere were put there under the "promise" of keeping them separate from the others, and you can imagine what happened later.