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Many people did well in 2019 and lost their jobs/businesses in 2020. These people are missing car and rent payments and would take the max stimulus check and pump it back into the economy if they got it. If everyone was loaned the money, those who continued to do well in 2020 would have to give it back in 2021, those whose incomes tanked in 2020 could keep it.
I think this is a more fair and productive way to distribute the checks.
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