Many banks have mortgage forbearance, they recognize that life happens. Unfortunately it's not uniform, some will tack it on at the end, others will require any missed payments to be payed at the end of the forbearance.
Additionally the US does have housing programs[1], so I wouldn't call it "completely" overlooked.
Additionally the US does have housing programs[1], so I wouldn't call it "completely" overlooked.
[1] https://www.hud.gov/topics/rental_assistance