In my opinion, you need to save money and hold. The virus will only worsen our life, it will not just go away, it will be for a long time, so you need to have money to exist. Fiat money is not the best way to store your savings, and bitcoin now looks very worthy against the background of its competitors, especially since its price will surely grow in the near future, so the choice should be made in the direction of cryptocurrency or precious metals.
I agree with you that we must still save on expenses during a pandemic like this, but we must be optimistic, even though it may take a long time that this pandemic should end soon, don't be pesimic.
at least it will be a common disease like influenza etc, not a pandemic anymore.
what you say that saving money in the bank is not the best way nor can it be justified, if people do not have other abilities and only rely on salary alone, the bank is the best solution.
but for those who know crypto, of course that is definitely not the best thing, because there can be a way to invest in projects or buy tokens that are in growth, which will obviously be profitable . for example at this time of course bitcoin is on the rise because of its price but I'm sure the top-ranking altcoins are also good.