Obviously, the tenant can't walk into a bank for a loan to pay the rent. But the landlord can negotiate with the bank on payment terms, missed mortgage payments, etc. The major banks have increased the size of their reserves held to cover potential loan losses, etc. As you go "up the food chain" there is access to additional funds (at a cost) to help bridge the gap. The main purpose of that tenant relief was to avoid putting people on the street or into a group shelter during a pandemic.

If you are a landlord, you do accept some risk - tenants not paying rent (in normal times), a fire making the property unrentable for awhile, a ghost scaring the tenants, etc