Balancing US reopening with eviction memorandums

[Account Closed]

With the US economy reopening and eviction bans still in place, how have you adjusted your management approach to reduce the risk of tenants not paying rent? Although the economy is "reopening", it seems like there is still low incentive to return to work or pay rent. What's keeping your tenants paying on time?

I ask because NY's Tenant Safe Harbor Act prevents evictions during and after the pandemic due to not paying rent resulting from COVID related "financial hardships".

1. 1) "Financial hardships" seems very subjective.
2. 2) You can currently still take them to court for a money judgement on owed back rent after COVID, but you can't evict based on lack of payment. (I'd like to avoid chasing owed back rent, if possible)

My tenant is a restaurant worker. I reduced rent for one month already while their Unemployment insurance kicked in. But now I'm considering a more permanent reduction to reduce the financial hardship now since another federal stimulus act has not passed. 

The predicament i'm in is that although she's commented on how she's found a bunch of job openings recently, but the job listings are not as good as their previous job so they'd rather wait for their current restaurant to reopen (likely not until next summer now since it's an outdoor brewery) than take a temporary job. They've further commented that the worst case scenario is they don't pay rent and we can't evict them. They haven't missed a rent payment yet, but it seems that they're choosing to put themselves in a place of "financial hardship" by not actively looking for a temporary job although opportunities are increasing.

It feels like i'm walking a thin line of either reducing their rent to reduce financial strain or possibly face no rental income at all due to their reduced motivation to return to work.