I’m not sure I understand your analogy. Someone making $10,000 is risking their financial stability either way by booking a trip that costs $3-10k. The money is already spent whether they go or not.
I don’t think it’s feasible for tourists that are already there should immediately up and leave. But any tourist who is still flying in should have rebooked elsewhere else. Airlines are offering free changes and hotels usually have flexible cancellations, especially with travel insurance.
The government should have positioned hotels as temporary shelters for Hawaiians that are displaced in this fire.