I agree. I seen people debating about going in their holidays in early March (as late as the 10th when Italy was in lockdown) - there was clearly enough information about otherwise they wouldn't have been having the debate - and they said it was worth the risk going ahead because they couldn't afford to lose the money (moot point, the money was already gone).
So in my eyes, if you were willing to take the risk then you have to be prepared to face the consequences of that risk. Theres an interesting aspect to normalcy bias, where people think something will never happen to them - even when presented with enormous amounts of evidence that it could - that when it does, they blame everyone else and expect to be rescued by those who took it seriously.
And yes, perhaps the government should have banned travel sooner. But what sort of backlash would they have had? Unfortunately in a democracy to a certain extent they have to follow public opinion, and people a month ago just weren't taking it seriously. Even still people aren't taking it seriously. (I'm not excusing the governments actions, they should be held accountable for their lack of action, but individual responsibility applies here too). Look at some of the posts there have been about our human rights being taken away under the social distancing measures. People are adamant they dont want a nanny state making their decisions for them, but still expect the tax payers to foot the bill for the consequences of their own selfish decisions.
Look at the businesses going under, the people out of jobs, homes and livelihoods lost, through no fault of their own. Why should money be diverted away from them to help people who should have known better, but wanted one last hurrah before the shit hit the fan.
We cancelled our family holiday to Disney land. It was shit and it sucked (try telling a 5 year old they're not going to disney land over something the cant understand) and we "lost" money. We might have been ok, but it wasnt the responsible or sensible thing to do to still go ahead.