The Covid-19 pandemic has forced economies into a tailspin, kicking off a long-drawn and painful downturn. We will soon start to see real, massive corporate and banking failures as well as individual bankruptcies that could last for the next two to three years. Singapore is saddled with long-term structural issues and short-term issues caused by the Covid-19 issue and the related panic it has created. The long-term issues the country already had will now create much bigger problems for…