I'm reading more & more about how long this is going to go on for. I mean we are still just at the beginning and this can go on all year. A vaccine is still a long way off and I read today that we could be looking at 18 months before the virus does all it can do.

Unless you are sitting on a nest egg (and if you do this for a living, there is no way you are); you HAVE to work. None of us can afford to be out of work more than a month or two. And for some of us, we would lose everything and be homeless if out of work much longer than that.
So for MANY people, there is no choice. It is work and hope you don't get sick. And if you do, fight thru it and hope you don't die from it - or permanently lose a % of lung function, which is happening to some that recover.