Doesn’t matter. Paying by who has debt, of any nature, is a piss-poor way of crashing the national treasury.
So blanket $2000 checks for everyone makes more sense to you than debt deferral? I think you misunderstand: there’s a difference between deferral and cancellation. There are millions of people who own their own homes and paid cash for their cars. Do they really need the money as badly as someone who has a mortgage and a car payment. Most people do have those kinds of debt and they could use the help. Those without those debts need less in the short run.