it intensifies but not because of the scenario you have stated but because people look for ways to earn income at home  . using paper money isnt a big deal and money isnt the thing that people are going to avoid or afraid to touch but people love money especially on this poor situation   . they can just use alcohol and no germs can now enter if they are strict on thier hygine  . people can use btc too not because of germs but because going outside is limited  .