It's not about the money. It's about balancing risk.
There are jobs that need to be done, otherwise society begins to fall apart. We need food to be distributed, for example. Electricity, water, sewerage and so on must be maintained. Those are things that cannot be done from home offices unless you are a manager. Someone has to milk the cows, someone has to collect the milk and take it to be processed, someone has to take the bottles to the supermarket.
The disease doesn't have to be eliminated, just controlled. We haven't eliminated every other threat to life and safety, but we control them to what the community regards as acceptable.
We could eliminate road accidents entirely by keeping people in their houses, for example. I'm guessing you don't see that as a viable way of reducing the road toll to zero.
It's up to the various State and Territory governments to handle and enforce health measures, and that's what they have been doing. Maybe you don't think Mr Andrews is doing a good job on this, but that's the way we've set up our system, and he's the guy in the big chair. You don't like him, vote for someone else.