HML have the same issues but exacerbated because they are usually a smaller group of people with more skin in the game and even more limited resources.  

Right, and if Congress does not renew or revise the $600 per week unemployment subsidy at the end of this month, then that loss of subsidized income to unemployed borrowers will exacerbate both loan and rental payment defaults.

#1 Is also very likely to exacerbate existing problems (COVID spread, social stability, crime, etc). 

History has shown that kicking the proverbial can down the road exacerbates the problem.

Turning people/groups against each other is an effective tactic used throughout history and will exacerbate over the next 4 years. 

Coronapocalypse just exacerbated the move to online problem.

On a macro scale over the long term, I think it’s reasonable to speculate that everything currently happening is going to exacerbate the gap between the rich and the poor and further reduce the size of the middle class.

So California and Oregon will probably have less and less affordable rental housing as these poorly executed attempts to protect renters just exacerbate the problem.

I understand the sentiments behind these tenant protections but I think they are going to drive off developers and exacerbate an already tight housing market because developers will just stop building If they can’t turn a profit.

I forecast some opportunities on smaller MF deals where the following happens: mom/pop operation or residential type mgmt, non-agency financing debt that's maturing soon, sub-standard mgmt pre-COVID that's exacerbated today with collection challenges.