Here's the complete list of bank failures since 2000:https://www.fdic.gov/bank/individual/failed/banklist.htmlIt's not banks - but the credit markets aka corporate bond market that is in turmoil and present a real danger:https://www.cnbc.com/2020/03/12/bonds-the-credit-markets-are-signaling-that-a-problem-is-afoot.htmlAnd, despite all the lessons and regulations stemming from the global financial collapse in 2008, derivatives are still way too dangerous and could create another crisis:https://www.bloomberg.com/opinion/articles/2019-04-10/derivatives-are-still-too-dangerousThe financial markets are complex; interest rates, cash supply, and bank health are not the issues. 

The service and utilities side will not stop because they're absolutely essential to public health and safety. 

If this were more of an economic vs. health crisis (think 2008 vs. now) then I think we'd see the inverse effect where less leisure bookings take place and urban STRs remain stable.

Failing to be proactive, and just sitting back to see what happens, will undoubtedly result in a worse outcome for each of us, both in terms of health, as well as financial security.We are all in this together, and we will get through this, together.

Personal health, safety of their employees and/or the public, guidelines or public health orders issued by government officials, or any number of things might be appropriate metrics for making decisions.

Moral, ethical, and health wise (for him and his family)... risky at best, foolish at worst. 

Italy has a sub par health care system which could barely provide quality care before the covid-19.

(Actually my wife is the clinical psychologist)...but my guess is that they are bored and riddled with anxiety at the same time, and “making their next move” is a nice fantasy for them.

The police will do nothing except refer the case to the city health department who is no help either.

It would be up to the health department to inform others and they are very careful to not identify a person.I there are shared services such as HVAC that goes through more than one unit, you should contact the health department on what to do, like maybe a window unit for one unit so there is not a transfer of germs.