He's my last resort guy now. 

So far he has said he would do that as a last resort. 

Only use these programs as last resort.

I was open that the mortgage deferal was not a real benefit and would be a last resort.  

@Luke Ski Hey thanks for responding I appreciate your insight.

It is so hard to get money into tax advantaged plans don’t ever take it out unless it is your last resort. 

And thirdly, to save some money.It is very, very difficult to find a better example than this crisis to illustrate what I've always said is the biggest risk advantage of DIY investing: you are the contractor of last resort. 

@Luke Ski Thank you for your thoughts.

Recessionhttps://www.ocregister.com/2020/03/16/coronavirus-pushes-u-s-into-recession-california-to-be-hit-hardest-ucla-economists-say/Oilhttps://www.biggerpockets.com/blog/coronavirus-harm-real-estate-market-oil-price-warCovid-19https://www.kcra.com/article/newsom-more-than-half-of-california-projected-to-contract-covid-19/31791343#We are in a systematic designed destruction of the world economy, the FED [and all central banks in the world, follow same gameplan] is going to become the buyer and seller of last resort.

I did it just as a last resort, i do have reserves and they did tell me to check back in a month to see if other program will be available.