I can totally understand your position, which is even more understandable if you have another income.
Personally for me, I have cut down the days I am available and looking to plump up my income in other sw and non sw related ways, also do to the reasons you have said.
I do hope that these sidelines become bigger so that I can reduce my working days less. I have had a difficult few weeks on returning with clients cancelling, rescheduling, refusing to pay deposits etc etc. If this was just a sideline for me, I would put it on hold until things are more stable. Alas, this is my main income so have to just grit my teeth through it!