Dealing with restructuring and rent payments -
The rent payment is NOT a credit agreement. It is paid upfront. If the rent is in arrears, it is not now a credit agreement, hence any protection in terms of the NCA is not at issue.
As to restructuring - even if any credit can be part of re-structuring, the rent arrears is not credit granted. If this was allwoed anyone could be in breach of any contract by not paying and then go under review and re-structure. An obvious no go concept.
Furthermore, if we did allow rental payments to fall under restructuring a major flaw -
At the end of the lease the tenant would be burdened with the payments on the old lease and his new rent, in so doing the law would be guilty of reckless lending, albeit indirectly. If the tenant then reneged on the new rental and got that restructured he could have, as an example, 2 half payments(the arrear rentals) plus the new rental, so in essence his debt would have doubled and not reduced.

As pointed out, all debt, is indeed taken into account when under debt review, but this does not mean that all debt falls under the re-structuring. I think the rent example is a good case of the practical implications.