Hey, I switched to working from home seamlessly. Many other people did too. There's plenty of at-home work.
If I bought the assumption that getting COVID19 was relatively safe for me, I'd gladly swap jobs to keep someone else safe, especially if it meant moving up in the world. An at-risk individual could do my job, and I'd take their in-person job.
While I think there are better mechanisms, free markets could take care of swapping people around. If you're self-quarantining, and you have a better job than I do, I'll take your job. My job is now vacant for you. That's far from ideal -- you've just taken a pay cut -- but it's far better than mass unemployment.
What we'd need from there would be much cheaper than the successive stimuli (e.g. support for at-risk low-income individuals: like a stimulus check, bigger, but only to people who need it).
Now, to be willing to do this, I'd need to believe COVID19 is relatively safe for me (e.g. <1% odds of death _or significant long-term complications_). That's an assumption I don't buy. By looking at IFR/CFR numbers, we've ignored the much bigger question: how many people end up with permanent lung damage or other organ damage. Until we have a clear answer, I'm in lock-down mode unless I'm forced out.