I just really don't like them

I was a Standard Bank customer, due to circumstances out of my control, I had to take loans, but was very good with paying them back, that is, until Covid. I work I tourism and as one can expect, life sucked! I had to take payment holidays ect, for almost 2yrs. The holidays I was taking was never explained to me and they just gave them to me. Come to now, where have been handed over to collection agencies ect. I have finally got a good job and things are finally back to "normal" well as normal as it can be, except for having this hanging over my head. Now here is my complaint, on every loan and my credit card I took out the insurance. To cover if anything were to happen, not once was this mentioned during this time, and covid, by all companies (except banks it would seem) was considered a force majeur. Why was this not something that was considered by Standard Bank, why was this not looked in to? I'm just extremely upset that I paid for something that seems to have been useless and now I'm literally anyway *****ed. I was a customer of theirs since I was 19. Pretty much 18yrs and now whenever someone asks me about them as a bank in general, I always tell them to consider literally ANY other bank, and those people have actually listened.