My partner made the same mistake talking about a local small-scale brewery. Talking to the brewer, servicing the equipment loan was one of their biggest monthly expenses and their bank called them to tell them to defer payments for several months. Meanwhile, the landlord (actually a local government agency...) has sat paralyzed unsure what to do.
Also, those commercial real estate holders aren't necessarily rolling around in cash either. So while yes, they should have reserves, that doesn't mean they can necessarily go months or years without a paying tenant in place.
For that matter - the bank I mentioned above that did right by the brewer is a local bank. Not every bank is BofA, Wells Fargo, or Chase. Lots of banks in rural America look an awful lot like George Bailey in It's a Wonderful Life.
When it all blows over, the small/medium businesses can re-open and re-hire all of the people back again, and they can all stop taking unemployment. Life continues on as usual.
Why should the average person have to suffer so that these big banks can keep charging interest on their loans every month? Why can't we just legally mandate that they have to put the loans on pause and suck it up like the rest of us?