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I feel like I need to translate because of the over-emphasis on the word "fine." The person is saying after an initiative like this, the landlords and those who were willfully delinquent end up made whole or nearly so, but those who scrimped to pay rent under difficult circumstances end up worst off.

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I make the same argument for student debt forgiveness. This is what it would look like. While a bunch of people get their 50k liberal arts degree paid off, everyone else doesn’t even sniff a refund for something they paid for or paid off fair and square.

This is truly a moral hazard. https://en.m.wikipedia.org/wiki/Moral_hazard

You must give a tax refund to anyone that did pay rent fair and square and also prove they paid under duress (paycheck to paycheck or some threshold near it). The only ones that don’t get a refund are those who live in affluent areas, or are well off beyond reason.

This is one of the reasons why the brilliant and unconventional economics professor Steve Keen recommends a debt jubilee for all citizens:

https://www.youtube.com/watch?v=TBbXwQTvl_g

It circumvents the moral hazard you mention while alleviating the problems that are impacting all of us.

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