Yes but lots of places could go completely digital, they have just chosen not to - which includes "not being able to afford it".
e.g. part of my job involves preparing files for inquests. We (the originating agency) manage to prepare the whole file digitally. The police (assisting) manage to do the same. CPS manage to do it. Coroner A manages to access everything digitally. But oh no, Coroner B can't possibly do that, so we have to spend £££ and hours of staff time photocopying everything and delivering it to them in cardboard boxes. it's ridiculous.
Lots of jobs could go digital if they had to and would be in a better place for something like this if they had done so earlier, not to mention the financial reduction, staff wellbeing, lack of pollution etc. that comes from staff being allowed to wfh regularly (not necessarily always).
Plus your "for every office worker who starts to permanently work from home, someone else loses their job because of it?" is completely wrong, hyperbolic, and backed up by no data or factual information whatsoever!
Why on earth would that be the case?
You refer to retail staff for example - but CV hasn't lead to mass unemployment - in fact the opposite - pretty much all the shops have been desperately recruiting in huge numbers. Changes to working practices might occur - e.g. perhaps some staff who would be on the tills have been deployed to doing more deliveries/packing orders but it doesn't necesarily mean a loss of jobs!
Another of your examples is cafes - in normal circs (not during lockdown) I would actually be more inclined to go to a cafe if I was WFH as I wouldn't have free tea and coffee as I do in my workplace. Also it's a change of scenery from being in my house all day, avoids keeping the heating on in the winter, and is an opportunity to meet friends for lunch I wouldn't have if I were rushing back to/from work.
Plus some jobs would be lost, true, but others will be created. as there have ever been. it's called change. For every lost 'knocker upper,' or seamstress there are now quantity surveyors and social media managers. i bet coachmen were gutted when people started using cars for transport rather than coach and horse...but perhaps a descendant of theirs is now a taxi driver.