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pullingteth
Regarding insurance - I am highly, highly sceptical that the insurers would be able to pay out if every single bar, restaurant, pub and cafe in the country claims a few month's worth of expenses. Sure, we save some pub owners from unemployment but then all the insurance companies collapse and their employees all lose their jobs. And then whoever is first in the queue for a payout survives, and the rest go bankrupt anyway.
There aren't any easy answers