If the banks and mortgage lenders wanted to look like great people (ha!), they could easily push payments during the months of COVID lock downs to the end of the note. If they want to look like f*king heroes, they could even make those months go interest free. The payments aren't being forgiven and wiped out, they are readjusting the amortization tables. The same could be applied to car note. Credit card companies could give you a couple of months of no interest on existing balances. Of course, none of the groups mentioned have ever been accused of being decent.

Landlords/renters are different, and I don't have a decent suggestion for that.