Good points. I would agree that when we do open up (which we will have to) it will be to a very different landscape of people who are much more cautious and have much less disposable income to spend. Without a vaccine, I would be think that infections around the world will keep bouncing around and reinfect countries without significantly coordinated efforts between countries to manage outbreaks or there would be long term shutdowns of trade, people flow amongst countries.
Those of us who manage to keep our income will have a lot of disposable income, since we're basically removed transit, eating out, entertainment or vacations from our budgets.
But there will definitely be fewer places to spend it.
