It's very hard to assume what gonna happen upcoming months but i don't think government or their work gonna fall apart like you said. But i agree with one thing that btc is not about just hold, it's also about using like a fiat money if we really care about btc.
We can't really predict what will happen in the coming months or years, still the bitcoin is in a low price compared last last month and it is unexpected. Also this virus destroyed all of the economy of the countries affected by the virus, their stock market really crashed brought by this pandemic. It is still a question, how countries will recover all their losses economically and physically after this virus ends soon? It is hard to accept the fact that people are losing their lives because of financial problem that they are facing together with the health problems that the virus can do to their health. We really need to be practical this time, we should spend our money wisely so that people will benefit from it, a little help will do.
Although still btc is illegal in many country so buying food, gold or silver with btc is not possible for them. But situation like this won't be same all time cause soon or later people will use btc as a fiat money. If i have a chance to buy goods or other things with btc i won't miss that chance for sure. (in my country btc transaction still illegal 
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)That's why you need to do exchange so that you will convert it into fiat, but if it doesn't required so use P2P. In doing P2P you should know the person so much, so that you will prevent being scammed. Converting your bitcoin is necessary most especially if it is for the sake of your own health and family. You need to buy your necessities to fight this virus as this quarantine is continuously active for several weeks or months, we don't know how long this will last.