You make a lot of assumptions there, there are many people who don't do that or have smartphones that don't have the savings because they literally make barely enough to survive. Many of these are Disney Cast Members, but not only that, there are many businesses that depend on Disney that can't survive a 10 week shut down. For example,any companies that rent ECVs were already left struggling after Disney changed the rules (especially at Disneyland) on what companies could use bell services. 10 weeks of no income may literally make the difference between staying in business or closing up shop. If they close up shop, that is potentially hundreds of people unemployed right there, sure they might have been able to last 10 weeks, but not longer. This is just one of many, many examples of businesses that depend on Disney directly, then factor in that the people that work for these companies provide business to other companies and there is an indirect effect.
Add in all of the other shut downs, like theaters, concerts, etc. That not only had to cancel, but provide refunds to their patrons and the knock on effect from that and really we are talking massive problems, especially in an area that is as heavily dependent on the entertainment industry as Southern California is. We will end up with mass homelessness and it becomes quite clear how we we will have far more disease in the long run with what is currently being done. Remember this is going to only affect us for 10 weeks, for every week things are closed, we are looking at 2 - 12 weeks of negative economic impact at a minimum.