Over the past two decades, the US has been through several massive crises that put millions of households and businesses into the gutter. Many years have passed since the Dot-com bubble, the Real Estate Market Bubble, and the Global Financial Crisis. Yet, the memories of their aftermath have remained remarkable. These are only some unfortunate events that led to bankruptcies and macroeconomic weakness. And even a year before the pandemic, 25% of Americans, mainly retirees, struggled to recover from the Great Recession. The global economy was severely impacted when the pandemic limited business…