Covid19 cashflow relief ****

I am so confused as to how we are getting cashflow relief for 3months from FNB when all we're going to do is stress over the loan they are giving on top of all our current debt. How do they expect us to pay back the new loan and all our current debt? Im so confused. How about freezing our debt for the next 3months or let our insurance cover our loans. What if we in lockdown after the 3months? What happens then to the loan FNB offered? How do we pay it back? I've been a loyal client for so long but really disappointed in how things are currently done. I honestly can't wrap my head around this. This is all a ****. Hope people dont fall into this trap.