I work for a very small English school in Japan. People are (rightfully) avoiding going out and doing things including going to our classes, which is affecting our business. Also given the nature of our location (Hokkaido; the region with the most confirmed infections), our governor has been giving us weekly cues on whether its safe to go out, or whether certain businesses should open or close. As a result, we've remained closed for a total of 3 weeks already, and were maybe open a total of 3 days this month.
While I don't think Japan has been handling the situation the best, I at least feel safe with the healthcare system here. I have national healthcare, and my town has a very robust healthcare system compared to the small Alabama town I hail from. But if we had to close down the school, I would potentially have to leave Japan and return to Alabama, which means losing my job, losing my insurance, and being put into harms way, all the while having my fate put in the hands of an underdeveloped healthcare system.
I have a lot to lose if we shut down permanently, so I've been talking with my boss about ways we could do online classes, remain open but do regular health checks with students and employees, and I've even deferred half my salary this month so we can keep things running. Honestly at this point, I'm willing to put my health on the line to protect our school, because I love my job enough that I want to keep doing it, and I'm fucked either way if we go out of business.