There’s no question these are scary times, and we need to be honest about the fear that people are feeling. Small-business owners are worried about losing their livelihoods and their dreams. Workers who are suddenly faced with layoffs are struggling to figure out how to take care of their families. Parents faced with school closures are scrambling to find childcare. Landlords, some of them only a few weeks away from foreclosure themselves, do not know how they will stay afloat if tenants cannot pay rent.