I'm still a little shocked when hearing this, though. I'm talking about the small business who face bankruptcy after a single month of downtime/no income - that doesn't sound like a healthy business anyway if you didn't just start out. Or maybe I'm thinking the wrong size, where you have tons of recurring costs? Also freelancers (in IT, so assuming enough income usually) who are panicking because they couldn't sustain a few months.

Only exception I'm seeing are restaurants and shops with large inventory and a lot of personnel.