the patrons apparently don't believe that their behavior is unethical, and in fact, think that the dictates of their rules are unethical, and potentially illegal too.
I think few are willing to sustain a COVID-free lifestyle indefinitely. Using induction some people probably conclude that they might as well not bother.
I see the reasoning and don’t think the ethics of our pandemic behaviors have been fully discussed.
If this was true, we'd see landlords with paid-off mortgages waiving the rent. Since we don't see this on any major scale, we can only conclude that mortgages are inconsequential to landlords demanding rent-payments.
A mortgage is not the only cost of owning a property. Taxes are a third of my mortgage payment every month. Other than the IRS delaying tax day by 3 months, I haven't seen any delay or waivers of taxes due.
In addition, there's basic upkeep and maintenance that you're required to perform to keep a building insured, let alone to make it re-openable at some point.