The Federal government tried to create PPP programs, but look at what happened. Multi-million dollar franchises pulled in huge chunks while small restaurants got nothing. It's the 2008 bank bailouts all over again. It's like PS5/nvidia graphics cards scalping for businesses.
The corruption flows through every system, and the blame can be focuses on businesses with the means and people and legal staff to take advantage of the situation at the expense of every possible competitor.
Also Trump removed the independent watchdog for the coronavirus funds.
https://www.politico.com/news/2020/04/07/trump-removes-indep...
Free money from the federal government wouldn't have improved that situation. If state governors want to shut down businesses then state governments should be issuing relief payments.