How does direct cash help the underlying problem? People can’t go outside and do stuff. We need loans for businesses and relief for companies to weather a pause (so layoffs and closings are mitigated).
It is not meant to fix the underlying problem. It is meant to help those in need buy essential items like food and medicine, and possibly even pay their rent, but it probably won't be enough for even that when your family needs to eat first.
I think direct cash to individuals is only one small part of the bigger picture though. And to your point, businesses are going to need help too. It's not a matter of choosing only one or the other path, but finding a balance employing multiple strategies simultaneously.
