When we run a business @Juan63 we are responsible for managing it, and making sure there is enough liquidity in our business to cover the lows as well as the peaks. We should always be saving some of our profits as a cushion to invest in our business to cover low periods. Three or four months without a booking shouldn't be sending your business venture down the pan.
Personally I think it is a very risky business approach to just rely on STR income to cover property investment.
The problem is many property investors saw it as easy money and didn't run their STRs as proper businesses.
I don't know why you expect Airbnb or any other STR marketing channel to cover your operating costs when there is an unexpected pandemic, that no-one could have foreseen.
We will be fortunate if Airbnb and other STRs are here at the end of this crisis.
In the UK mortgage breaks are available to help those who are struggling to make payments. Do you have those in the US?