They really just need to put together something clean calling for a full on pause for mortgages, car payments, credit cards, ect. We bailed out the banks last time, it's their turn to suck it up. Landlords don't have to pay on the mortgages, then small businesses don't have to worry about rent, and their employees don't have to worry about rent/mortgages. It's the simplest solution. Banks aren't paying out interest anyway, don't see why they can't go without cash flow for a bit.