https://www.sfchronicle.com/business...y-15468195.php
It's quite logical that SF would be high on this list because the city has strong limits on chains and only a couple of big box stores (a CostCo, a Lowes, a couple of smallish Targets) in the city. That means San Franciscans are forced to do proportionately more of their shopping in boutique and Mom/Pop stores which, in spite of the city wind at their backs, are mostly poorly capitalized and marginally successful . . . so they cannot withtand closure orders and lockdowns. They don't have major online presences, access to capital markets or national or even global structures to fund them in bad times.
The city Planning Department also strongly favors small ground floor store fronts in new developments so most new buildings have them and a lot of them were already empty before COVID because the city was already "over-sored". So this likely means that for a decade or more we are going to have ugly empty store fronts all over town.
My guess is the restaurants will come back because the city has always been a dining-out place due to the high proportion of singles and childless couples. Likewise the places providing convenience to neighborhoods: Corner markets, dry cleaners and so forth. But the high end, trendy retail that characterized the city? I'm less sanguine.