try to avoid those bills for a few months and see what the creditors say. they aren't in the habit of forgiving loans and keeping the lights on if they don't get money for it. even after social distancing is over, how many tandems will decide it's worth the risk? and how many fun jumpers will avoid jumping for a while after it stops to see how it goes before jumping again? they may have fewer bills, but they also have less opportunity to collect the money. a 182 can get two tandems per load, one if they want outside video, maybe two (our dz takes four passengers, not five like i've heard some take). that being said, you are mostly correct, you just forgot that even though the bills are much less, being shut for a few months hurts pretty bad since there is nothing coming in and the bills are still there.