It is very interesting that having suggested there was too much state intervention that you would actually opt for a stricter lockdown, with more onerous terms to secure human life mini and I do understand the dilemma as someone that champions human rights over all else (with perhaps the exception of loss of life) but I was quite surprised to read that.
Without the enforcement element, I am minded to believe we will be precisely in that situation, a very, very strict lockdown again with the implications bearing down on the economy, children's education, mental health, all elective surgery and appointments cancelled again, the whole works.
The damage another strict lockdown would do to our country is actually terrifying when it is considered not only financially, but the actual impact on every single person grappling with it in the middle of the winter. We do not have the resources to furlough countrywide again. The measures now are being taken to stop a strict lockdown.
I agree not every part of the government's approach seems coordinated or easy to understand, and at times seems almost contradictory. I think that is probably because so many agencies are involved - there isn't just one person deciding things from above, but multiple layers of committees, scientists and decision makers. It can't be perfect, because there is no real precedent - nothing to light the way with previous experiences of such a deadly virus in the past that is relevant to how we live today.
The backlash has been somewhat moderate if we consider the alternative, and it is fine balance between the needs of the young that are not at risk, with the substantial protection that is needed for the elderly and vulnerable. It is a tightrope of competing needs in a backdrop of growing impatience, exhaustion and fatigue in the general population.
As you rightly summarise there is no clear answer. No one can say with any real authority what the next three months will bring. One could argue it might be better not to know, and to take every day as it comes.
I am afraid the banks can not cancel debt, they would no longer be viable, but it is nice idea! The collapse of the financial markets would do nothing to help us, and would only serve to add to the chaos and uncertainty. The banks can offer holidays and reprieve, and I hope we will see some goodwill and understanding - backed by the government guarantees to ensure that happens again if the need arises. Lets hope it doesn't.