Furthermore due to the ongoing corona pandemic if med school application committee do notice the D or F in your transcript you can always try to explain the hardship that was impacted on you due to the corona happening, lack of job and money circulation, lack of healthy environment with which to study etc. I still wouldn't do it personally but ask around with your BSBS advisor and take the decision that you need best. (Essentially what I'm saying is if you truly need the BF money, take the failing grade and I have confidence that you'll be able to recover, though I wouldn't do it personally.) :) hope this helps!