If the shutdown is short, it's not a huge deal... but if it drags on, I wonder if her bank will defer her mortgage payments? Likely not...
Why is that likely not? Real banks do in fact do that all the time for people if you just call and explain the situation. Don't be an idiot and let the bank find out by surprise - talk to them early and ask for a deferment of some kind.
The son of a friend is a civilian helicopter mechanic attached to the base. He isn't "essential", so he's currently not working and not bringing in income.
You know what happens to people in real life when they are laid off, even if temporarily? They find another job.
Being a mechanic you'd think he could find some work pretty rapidly if he needed income badly. But possibly he has saved up, like everyone is supposed to (reserve is six months of income), and he's treating it as a break?
I don't feel sorry at all for either of your friends because by now you know what happens if you work for the government, it will shut down from time to time. My own wife works for the federal government too so it's not like I am not personally affected, but currently for her the tradeoff is worth keeping the job... but we are prepared for the shutdowns because we know at this point they will happen with some regularity. If you can't take it find a job in the private sector.
One other difference between the government and real life is that in real life the business usually just goes away, but you know the lumbering beast of the federal government will proceed, perhaps stumbling like now but it's not like the job will ever really go away. And that's why most of the people stay.