What do you think people are doing with all the money the are not spending at restaurants, bars, pubs, etc because of closures?

Using it for toilet paper.

Buy food, beer and whiskey.

If they have any faculty for logical reasoning, the working class are holding onto it for the uncertain future.

Unless one has been in a coma the last few weeks, it should be evident finances will be tight for at least the next few months. 

Anyone with investments has probably lost far more In the past two weeks than they will save on restaurant and pub spending during all this. I think I’ll go have a bath with my toaster now lol. 

Depends on their character, impulsiveness and habits.

Some of that cash would buy the fresh foods that now have to be prepared at home, or packs of frozen meals.

The prudent ones would pay more on their mortgages.
Some might save it for medical expenses if they fall sick.
Others might take precautions against a Great Depression and ending up out of work.

The spendthrift ones might go shopping online.

But don't forget the thousands who've never had the money for eating out or coffees or movies.
Their fortunes remain the same - unless they catch Covid.

Personally, I do not spend money on those thing on a regular basis. I only go to a restaurant on occasion. And never to the bar/pub.  I still drive through some and get delivery.

So I am not saving anything from that.  So far I still have customers each day. Hopefully that remains...I got bills to pay. I have exhausted my savings to get through the winter (we are seasonal here and would just now be beginning to fire up)  Our bars/restaurants etc are open.  (I am open as well)