You are right. The only real way to do this cash transfer is to send everbody a check or at least just leave out Warren Buffet and Bill Gates crown and pay almost everybody.
I and I’m sure many other non genius type people thought of this during the original $600 billion dollar stimulous or bail out. If they had just sent every household in America a check they could have paid off their debt and not lost their homes. It would have stimulated the economy right out of trouble. Instead the shovel ready jobs did nothing.
If they had given every household a check for even $100,000 things would have rebounded so fast it would make your head swim. Even though a lot of the lower income boobs would have blown the money at least they would have spurred the economy.
If that was the intent. The real intent was to keep wealth in the hands of its "rightful owners".
Send out $10 trillion in checks? How perfectly stupid.