"1) Va'yitzav Moshe... al ya'asu od melacha l'terumas ha'kodesh" -- Moshe commanded the people, "No more donations needed for the Mishkan."
"Va'yikalei ha'am mei'havi" -- the people stopped bringing. (35:5)
Chasam Sofer comments that this was a mitzvah like any other mitzvah. No one said, "Whew, I'm glad they are done hitting me up for donations." Aderaba, people wanted to give, but they were commanded to stop and so they couldn't. They said a "l'shem yichud" and put the money back into their wallets l'shem mitzvah just like they would have given it away l'shem mitzvah.
Given our present circumstances, this is where we are holding. It would be great if we could have minyanim and in-person shiurim and chavrusas. Is there anyone who is thinking, "Wow, glad I don't have to get up for minyan anymore?" I don't think so. But right now our mitzvah is "u'shmarten es nafshoseichem." Right now our mitzvah is to not go to minyan and to do so l'shem mitzvah.