Your missing the point, this is about structural incentives and class interests not individuals. The structural incentives of landlords are to keep or even raise rents, even during times of hardship. You are incentivised to take her half rent or even charge ther full rent and put her in debt because you can and it would give you the most money. You chose not to act on those incentives because your not evil but relying on people to not be horrible for an issue as crucial as housing is not a good system. We need to remake the system so these perverse incentives don't exist, and that will require getting rid of landlords because they as a class, not individuals, have bad incentives tied to their place in the system.