When the COVID-19 pandemic shut down New York City in March 2020, Jose Montanez, like millions of others in the service industry, lost his source of income. A hair stylist who also ran karaoke drag shows, he made his money closely interacting with people. Even his third business—wedding planning—had to close shop. And then his husband, David Tingle, got laid off from his decades-long job as a retail architect.