Adequate reserves in post-COVID world...

[Frank Klarich]

https://komonews.com/news/coronavirus/under-covid-some-landlords-of-limited-means-worse-off-than-their-tenants

The article above got me to thinking about whether or not we need to re-think what an adequate amount of reserves in this post-COVID world should be.  Traditionally, the advice has been 6 months, however with eviction moratoriums, etc., perhaps that should be re-visited?  In the example above, these folks "may" have had reserves that were traditionally adequate but bad tenants + COVID has forced them into a terrible situation - including homelessness, while tenants still have a place to live.  I assume this is not limited to Washington state, as eviction moratoriums are in place all over the country.

Thoughts on what the right approach should be going forward?