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" ... These troubling cases are often damage without wrongdoing. Governments dictated the closing of many industries, and whether or not you think their policy choice was right, it was surely reasonable. Similarly, merchants are surely entitled to close down and furlough employees if insufficient income comes in after the pandemic strikes. Economic distress is best addressed publicly, as the CARES act has done for those directly harmed. Indirect economic harm (depression; reduced retirement income) is typically not compensated in Tort, and is best seen as a risk of investing and of living. Psychological distress, though real, is also not compensated because of the difficulty in separating out real from malingered damages. This “moral hazard” is the reason why Common Law Torts does not allow the tort of negligent infliction of emotional distress. Where there is no negligence there is even less reason to compensate. ... "