I think people forgot the mess surrounding PPP. Publicly-traded and other large companies like Shake Shack and Ruth's Chris Steakhouse received millions in PPP loans while many small businesses did not hear back from the SBA until June or July. Bank of America prioritized customers with existing bank loans as if the PPP was a backdoor bailout for a poor small business loan portfolio. Many real small businesses were screwed due to the decision making processes.

Reading about these fake loans is a gut punch. When small businesses that really needed the money were stonewalled for months, many having to shutter, it's hard to believe that oversight would have hurt