There's merit to the argument that all of us yelling "STAY THE FUCK AT HOME" have that luxury, but the critics of that argument tend to be people who also have that luxury. If you look at the polls, nobody who works a real goddamned job is itching at the bit to get back to work, regardless of their dire financial situations, because they know the danger and they know their financial situations will be even more fucked if they get sick. The overwhelming majority of the "REOPEN!!!!" crowd are retired or near-retired boomers who want to be able to force someone to wait on them at Cracker Barrel.
There's actually an easy solution to the problem that a lot of people need money that doesn't require taking the risk of everyone getting sick: just pay them. We should be paying everyone who can stay home to stay home until the government is able to stand up a workable testing and tracing system, and we should be paying the people who have to work the essential jobs hazard pay. And if they get sick, we should cover their health care. Instead, we're using the threat of cutting them off from unemployment to force everyone back to work in dangerous conditions, with nothing remotely close to the containment capability that we need in place, and we're telling their employers not to worry about maintaining safe working conditions because they'll get immunity for killing their employees.