If you want grocers to stay open, you need food production to continue, along their entire supply chain.
If you want every office worker to work from home you need energy production, transmission, refining, transportation and repair to keep going.
If you want to be able to deposit cash (or relief check or unemployment, etc) or pay bills you need banks to keep running.
There is a risk of transmission associated with all of those but if we don't allow that then we are going to starve to death in the dark instead.