As far as Covid and the lockdowns go, I know I've been lucky. I'm one of the more senior web developers for a company that managed to take advantage of the pandemic early on; my position was pretty bullet-proof. On top of that, lots of companies suddenly wanted software developers, as they tried to pivot to remote working and e-commerce.
My other half runs her own business - which got cut in half when the first lockdown hit. Many of her clients (some of which are friends) saw their income dry up almost instantly. To start, all I could do was look on in quiet horror.
Then I got together with a friend and started trying to help some of the local businesses. A local restaurant was trying to switch to home-delivered meals, to keep the rent paid and as many of the staff employed as possible. Me and my friend built a basic e-com website for them. It ended up being one of the things that saved that business... they were one month from bankruptcy when they eventually re-opened. It was one of a number of businesses we spent our evenings building websites for.
It wasn't much, but it was the best we could do with the skills we had.