There doesn’t seem to be any clear plan that could possibly keep everyone completely safe, so we have to take our chances at some point and hope advice and common sense are enough.
Through out history people have had to adapt to plague and flu, but then we also weren’t told by anyone what to do, or given financial aid, it was to stay indoors when you could and when you had to go out for food and water or for work take your chances.
If a vaccine isn’t going to be available for years if ever we can’t just wait and let every business fail and then try and start from scratch in a few years time.