There were a bunch of amnesties on various bills and things to begin with, but most of those have now ended.
Basically people are surviving on special payments. People who can’t work because of COVID restrictions can get $750 a week from the Federal government (smaller amounts if they’ve only lost some hours). State governments also provide various levels of support - in Victoria, businesses that can’t operate are entitled to various payments.
It’s not enough in all cases but a lot of people can manage. A lot of businesses have closed though, and even more probably will when it’s all over - many are probably no longer viable long term but are being kept alive in a zombie form by government support and won’t recover.
Whew, $750/wk! Where do I sign up? Double that with two adults in the household. That’d be steak and lobster every night even for the dog.