In the coronavirus’s wake, those without savings may also be losing their jobs, leaving them with little to support their families other than the CARES Act relief from the government, help from charitable groups or GoFundMe or Venmo tip jar campaigns. Brenda Madison in Laguna Beach, Calif., says that several of her jobs, including doing graphic design and working at Athleta, have dried up. Jason Savoy, 36, in Austin, Texas, says he still has his job, at the supermarket chain Trader Joe’s, but it doesn’t pay enough for him to save. Mr. Savoy makes $14.90 an hour, and while he is relieved to still be employed, he has reason to worry: His savings account has just 14 cents in it. If he becomes ill — a real possibility given the grocery workers now falling sick — it could quickly send him hurtling over a financial ledge, as medical bills could be prohibitively high. Paying off student loans and being retired can make it difficult for people to save or lead people to draw on their savings.