Covid-19 Cashflow relief(Fancy name for Loan) I cannot Afford

FNB is offering me Covid-19 cashflow relief(fancy name for LOAN) and i the called them advised that they should check my statement monthly what i have on my account by the 5th of every month tonsee that I DO NOT AFFORD TOBTAKE A LOAN TO PAY THEM FOR MY SMART BOND MONTHLY, I have been sent from pillar to post since its like I as a client im pushed to a corner where I feel we have no choice but to take the loan that we donot afford. I sent them a letter from work and they basicaly saying we only going to offer you a loan not a payment holiday but as their client for so long they should know better that I dont afford another loan on my name. The question i have been telling Lima,Ally, Boitumelo Agnes Chuene( whos apperently a manager), Masondo Zana when I called FNB is I WILL NOT AFFORD TO PAY THE LOAN PARALLEL WITH MY DEBIT ORDERS AFTER THE COVID-19. I need a resolution to this FNB needs to assist us not try gain from this and destroy our credit life in the process