But there are a lot of average persons. If a whole bunch of average persons starts buying up gas, toilet paper or withdraw money from the bank all at the same t

But there are a lot of average persons. If a whole bunch of average persons starts buying up gas, toilet paper or withdraw money from the bank all at the same time ( the key point being at the same time relatively speaking ), the gas station, store or bank will be out of product/service very soon. I'd imagine, on a given day, only a small fraction of car owners in a particular vicinity fill their tanks.