Many trade/Professional organisations have added to the problem by issuing guidance that goes beyond the government and puts people in a position where furlough is their only option.
For example, several local vets have furloughed loads of staff. They are allowed to work for animal welfare reasons. Most of their work is outdoors (equine and farm) most can be done with distancing, they are familiar with biosecurity and have access to PPE. However their governing body issued an edict that they must only do essential work, no vaccinations, no dental examinations, no lameness work, etc. They should be working on an almost full basis, the exceptions should be non-essential work that can't be done in a distanced way.
I spoke to my sports coach at the beginning of lockdown. He was happy to continue coaching, we don't normally touch, could easily follow a 2m distance, are outdoors and could avoid him touching anything, I could pay electronically. I am still allowed to exercise. However his professional governing body has banned all coaches from working. He could have worked almost fully but instead will claim the self employed income support.
The government need to tell people that they should be working unless they are in businesses ordered to close (pubs, gyms, theatres etc) and they should adapt their working practices to minimise risk.
I think more retail businesses should be opening with appropriate measures in place.
The furlough scheme should continue for those who absolutely cannot work.