You are a homeowner/investor managing your own property and you tenant won't pay rent.
Yes, its tough right now.
This is one of the best reasons that a property manager is worth their weight in gold.
I get that you want to be nice. Let someone else be the bad guy. Get a property manager. They are experts at rent collection and most property managers are reporting they have normal rent collection and some residents trying to get out of rent are avoiding filing for unemployment or applying for aid, and plan on putting the burden on landlords instead.
As a local property manager in Tracy CA, I do understant the frustrations of the investor and the tenant. We would hard to be sure rent is always paid on time, and as in situations like Covid19, we have systems in place to reach a compromise.
Property Managers are not an insurance company, however, it sure is nice for you, when someone else gets to be the bad guy.