I don't see how this is an argument against giving it directly to families/individuals rather than businesses. The reason the government has an interest in subsidizing payroll is to make sure the employees don't suffer due to not having income, so the question is why not just give 75% of the allocated directly to individuals anyways (since it's supposed to be used for payroll anyways), and then just have businesses apply for the non-payroll portion? If anything, that would be _better_ for small business owners; they'd get money as individuals from the 75% to keep rather than using for payroll, and then they would still get as much non-payroll money as they would before from the remaining 25%. The only other differences from what I can see are that giving it as payroll preserves existing salaries rather than distributing equally to all individuals (which could be a pro or a con depending on your views) and potentially enabling businesses to use the money for things that they're not supposed it, in which case it ends up being a loan that they have to pay back.