best you consult your employer on the money thing. then budget according to what they say they are going to do. even if the employer is not doing what they should do, you will struggle to get what they don't wanna give. you might get it later, but in the meantime you gotta eat.

the seagull are wild animals and manage to feed themselves on journeys to and from siberia, and during thier life in russia without our help. i think they will survive. but if it helps keep you calm, carry on.

“a pandemic is a scenario that we have to consider.”
consider yes, but it is by no means certain. a risk assesment looks at likelihood of something happening and the impact if it does. you have to balance the two.

Yeh! I'm back from an extended stay at home.

Risk assessments are just that, an assessment. Different people will have different data, factor in different things and have different weighting.

then balance the risk against the loss of freedom.
Looking at the current flu epidemic in the US, over 140k cases this winter, with a pop 1/4 that of China. Where is a safer place?
There is no right or wrong answer. Pointless arguing really, make your own mind what you are gonna do.