The ‘uselessness’ is a design feature not a bug. The EU is a trade bloc and that is its sole competence. It also provides a framework through which member states can cooperate on other matters if the member states choose to use it. If they decline then there is nothing the EU can do about it.
Germany, France and others will provide financial assistance, as well as receive support themselves via the ECB, because it is in their interests to do so. Eventually EU states will have to provide support to non EU nations that border the EU because a virus doesn’t respect borders and their is no point in getting your own virus response right if your neighbours are melting under the strain. Turkey being a case in point.
Right now though I would worry more about how the UK is going to fare and how we are going to exit the lockdown. Blind EU hate is no longer a self indulgent luxury we can afford.