Yes, better from a personal standpoint, but jeez, from a humanitarian perspective, can you really blame any restaurant owner from wanting to make payroll at any cost so that their employees can continue to feed themselves, pay rent, and take care of their loved ones?

The employees should be able to apply for unemployment payments from the state. Which can a problem on its own, to be sure, but an employer doesn't have to bear the weight of lives all by him or herself.

My point is why are we putting them in this position? How about a GRANT instead of a loan?

The restaurant is TOAST when the loan starts being due as they try to reopen in the middle of recession after a forced closing and they'll all be out of work trying to feed themselves, pay rent and take care of their loved ones.

>How about a GRANT instead of a loan?

You mean free money, just because? How could you even begin to figure out who deserves it? That'd be a lot of offices and bureaucracy to set up to solve the question. Unless you just want to give wads of cash to any restaurant claiming to need help, in which case I'm glad you're not leading the economy.

At that point, you might as well just give that money directly to the restaurant owner, and all the employees, for the duration of the crisis.