Larry, vaccine trials are not in the third stages nor will one be ready for distribution before early to mid-2021. And there are three main versions of mutated SAR-CoV 2. One vaccine will not work on all three or the future mutated versions of it (of which there're will undoubtedly be- unless another zoonotic virus kills us all first), just as there needs to be a new flu vaccine every year and those are still only partially effective.

The "high risk" patients yes, the older people, people with underlying conditions- but they all need the same care as, for just one example, cancer and heart attack victims and will have to compete with the same rooms, beds and equipment as COVID victims and there're simply not enough ICU beds or PPE to go around.

In addition, just who are these "low risk" people? I assume you'll say young, heathy people but the fastest growing rate of infections is now in the 20 to 39 years old range.

The mortality rate is decreasing only because the disease is so widespread and more testing merely reveals that, it doesn't cause it.

"Borrow trillions of dollars every quarter"- why not, it's dome for the largest military in the world as well as for the richest among us and huge corporations through unneeded tax cuts, but if directed differently that money could easily keep people working and buying and businesses in business.

We live in a consumer-driven economy so what do you think will happen when there isn't enough consumer demand to support businesses afloat and buyers buying?

And with Fed rate at 0% interest, isn't it smarter to borrow now rather than after interest rates increase?

Yes, it will place a burden on the next generation but that's no different than it's ever been, with the possible exception of the 950s- when the top marginal ta rate was 90%.

Any chance Congress will ever raise rates that high again, even though it worked out better than today's 39+/- percent?

And if you haven't paid attention, the outbreaks you claim haven't materialized have and are growing, especially in states that either didn't require basic safety measures for people going out in public, or, more importantly, "reopened" too soon. States that were more careful aren't seeing those spikes in infection and most are seeing slow declines in the virus's spread.

But, that's okay: just blame the "Boomers" rather than take responsibility to change things.

No offense intended and I always keep in mind two words:

Hope abides.