Not one restaurant has closed where I live. In fact, most of them are having a hard time staffing them. My wife and I own two small businesses in a tourist trap (cape cod) and are having a great year. These streets are full of middle class tourists with money to burn. I know not every business is doing great, but people are spending money.
Wow
You are so lucky....for now.
Here is my small list of restaurants in San Francisco and Monterey Bays
Tadich, Gary Danko, Cliff House, barbacco, Michael Mina, Aliotos, Scoma’s, House of Prime Rib(OMG)
Mollie Stone isn’t a restaurant but a grocery store. I love getting a big serving of their tomato basil soup and then sit at the end of the dock and watch the boats pass by as I enjoy but, that is over now as the salad bar is closed.
If there was a Gawd all these places would be open and I would be enjoying life.
Even my favs in Carmel, CA are closed until the 12th of Never...