In my case, my income has declined rather precipitously recently due to my wife being laid off and all of our guests cancelling. However I wasn’t asking just for myself.

You use the words “ethical dilemma” as if they had some special meaning in our world anymore. Isn’t an “ethical dilemma,” an 1/4 modifier or something?

The universe most definitely doesn’t bite most of the ethically challenged in the rear. To my knowledge the only person punished during the financial crisis was Martha Stewart.
Josh