This is a twice-in-a-century event. (Consider AIDS the other pandemic.) Our system should not be built for outlier events. Instead, we should make exceptions for those outlier events. (For example, we could have salary supports for those in quarantine and unable to work remotely equal to their average reported income over the last 12 weeks || a minimum wage and support for landlords or mortgages until the pandemic ends.)

Overpay for an extreme case rather than adapt your system around it.

Now, I have other complaints about our system and how it is unsustainable, but this is a poor argument as to why.