Could you not also read that example in the opposite way?
That people have, on average, been overly cautious rather than less. A pub that was about to lose an unprecedented amount of money closing before it was told to, sounds like a fantastic example of acting for the benefit of society, rather than personal greed.
From a quick Google, I can't find corroborating evidence of this, but Stephen Bush on the New Statesman podcast has repeatedly said that the government have been surprised by the number of businesses that have temporarily closed down. They expected more restaurants to operate as takeaways, more businesses to continue operating with a skeleton crew, and generally, far fewer people to access the furlough scheme than have done so. I think the general tone of indignation at the public is highly unfair, and doesn't reflect how 95%+ of people have behaved over the last two months.