Not all businesses shutdown. The issue is that a bunch of businesses took the free money who didn’t need it. We made a choice not to take it because we are booming during crisis. The stimulus checks had criteria to receive them and most people who are doing very well did not get a stimulus check. PPP could easily had a requirement that it had to be paid back if sales/rev increased during 2020 tax year. Instead the more likely scenario is that businesses that were most affected by covid will have to pay back the loan because their revenue fell to 0 and they had to cut employees. This money isn’t free, it is added to our national debt.