I'll take it one step further. You are out a handful of cash. These small businesses are out TONS more cash on the back end. Its easier for you to overlook a $20 charge than it is for a small business owner to overlook all those $20s when their payroll depends on it.
So show some grace, accept that we are all in this together, and be willing to take one for the team. If we each "suck it up" on the small scale, our small businesses like this can carry on.
We are doing this with everything we can. Many small businesses that we use for various things -- if we can afford to, we are not worrying about our small monthly fee. Especially if doing so allows the business to keep their employees supported.