Here's some reading for you:

https://www.imf.org/en/Topics/imf-and-covid19/COVID-Lending-Tracker

https://www.adamsstreetpartners.com/insights/covid19-rescue-finance/#:~:text=Rescue%20Finance%20Overview,credit%20and%20pureplay%20distressed%20credit.

Rescue loans are used to service existing debt. That's literally the entire point.

https://www.investopedia.com/terms/r/riskadjustedreturn.asp

A risk-adjusted return is a calculation of the profit or potential profit from an investment that takes into account the degree of risk that must be accepted in order to achieve it. The risk is measured in comparison to that of a virtually risk-free investment—usually U.S. Treasuries.

These are BASIC concepts. Come on, man.