Maybe not programmers alone, but programmers working together with business/finance/economics folks: How do we help small businesses weather this? Gift cards

Maybe not programmers alone, but programmers working together with business/finance/economics folks: How do we help small businesses weather this? Gift cards have been suggested, and they work for some scalable businesses, but not non-scalable ones with finite capacity. Barbershops for instance have a finite number of appointment slots, so when people redeem their gift cards in the future, they lose future income. The question is: how do we creatively come up with a form of an business/economic model that will help consumers help small businesses stay afloat and sustainably ramp back up in the future?