It is very complex, but what's the alternative? Widespread evictions (in the midst of "stay inside," no less)? A bad answer is so much better than none at all, in the same way that a badly-implemented draft and a poorly-trained army is a vastly superior response to an invasion than nothing.

I think the starting principle I'd take is that this is going to go very poorly for some people, and our only decision is for whom it goes poorly. (After all, if we do nothing, it will clearly go poorly for many people, and as you point out there's no obvious solution where it works well for everyone.) There is a productivity loss that needs to be borne by someone, and it seems to me the obvious approach is to ask who can bear it with the least impact on the long-term good of society / the nation / humanity.

The answer is probably that certain people in the chain you mention, possibly the landlord, probably the bank, and perhaps (but probably not) the retiree, can afford to just not get paid. It's unfair for them, but they will do fine: they won't lose out on revenue that they need to put food on the table or a roof over their heads (the whole point here is to keep roofs over heads). Everyone upstream of them gets to not pay them.

And yes, it's unjust to take money from people (or really, require that people keep providing services without being paid for them) without their consent, but it's also unjust to draft people for a war without their consent. We do it anyway because the alternative - choosing to not fight the war - is unjust too.