Right off the bat= in the beginning? I have to tell you right off the bat, the population is inundated with the longevity risk, we shouldn't skirt around the issue again. Talk is cheap, let's do it.

The countries have been plunged into flood for many years. Talk is cheap, the authorities shouldn't skirt around it. Even if there are some meetings to public to tell what they want to do for flood, but the result in the last year was a far cry from what we hope this year. It's kind of no end in sight.

I should face the problem instead of ducking and covering with it lest I plunge the real situation into deeper crisis

Talk is cheap, we should face with the problem and take some actions for it lest we do nothing in the end.

Talk is cheap, we should face with the problem and take some actions for it lest we do nothing in the end. Practice the phrase "talk is cheap". The experts always talk about the different solutions for pandemic.However, talk is cheap. It would become redundant things if they don't consider the cultural factors.

wipe out savings 中文到底該怎麼翻譯啊？ 抹去儲蓄？ 讓儲蓄減少？ Do you think this one mean that to reduce the savings ?

The new smart system for payment has a part to play in handling the problem which people can't go outside during pandemic.

I listened the music concert, it's peaceful, relaxing, magnificent. I actually got goosebumps.