Exactly this. It's very easy for people to say 'stay off work' if you have the slightest little sniffle, but many hundreds of thousands of people don't get paid if they are off. It's all right for people sitting there on a pedestal, preaching and dictating, when they have a job that is 'salaried' and they get paid no matter HOW much time they have off!
In addition to the 'salaried' people, there are very likely some people saying 'stay off!' who don't work, (as they are stay-at-home-parents, or on benefits,) and they have no concept of what a shitshow it can turn into if you have a few weeks off work. (NOT an attack on SAHPs, or people on benefits btw before anyone starts!)
My husband doesn't get paid if he off sick. (Only the £90-ish a week SICK pay!) He had to have eight weeks off after having an operation a few years ago. (when we were not as comfortable financially, and DD was younger.) It took us about a year to recover from it financially. I think we lost about £2500-£2600 in income.
And as you say, the tests aren't free. Are people supposed to buy one every time they have a bit of a sore throat and a sniffle? COVID may kill elderly and vulnerable people, but as many people have said, including me, so do many other things.
As I (and a few others) have said, people can't be having loads of time off, and do test after test for COVID every time they have a mildly sore throat and a sniffle. As quite a few people have said, including me, we need to live with covid now. It's right up there, along with flu. Get vaccinated, and just live your life. The vast majority of people will NOT die from covid.