This might be contraversial: So, if i read this correctly, there was an eviction moratorium (so they can't evict you if you don't pay). So you have Billy, say

This might be contraversial: So, if i read this correctly, there was an eviction moratorium (so they can't evict you if you don't pay). So you have Billy, saying "fsck it, they can't evict me", spending the rent money on other stuff, and letting "future Billy" deal with the rent later... And you have Bobby, being responsible, saving, maybe even literally starving to pay the rent on time. And the "future" comes, Billy gets his rent paid by the taxpayer, and Bobby gets nothing. This may be because I live in a former socialist country, but what I've learned here is, spend (or hide) your money, screw the rules, and the state will "save" you.