I saw something encouraging today with the report in Poland regarding covid related deaths. Of the 14 reported deaths for today, they stated that only 2 were covid-only. The other 12 were covid with co-morbidities. I only mention this because I had not seen it broken down like that prior to today.
Also, please keep in mind that although you might be able to file (and get) financial hardship, you can also get the penalty amount defered. I still owe and have a funny feeling that it will never get paid off. In the meantime, I put that moeny to good use – buying land (in another country). YMMV…