I’m going to take an extreme position in the hopes it “stimulates” conversation: the best course is $6k direct citizen payments. Business that fail create new niches some of the gritty but solvent ex-employed can try to exploit with new startups.

Also, if the stimulus in the scenario was $4 trillion total, each citizen could be given/loaned ~$12000; by pooling their stimuli payments, tens of individuals and/or large families could potentially have enough capital to take a risky shot on a startup / small biz.