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.
We have bankruptcy courts for a reason.
I would go with one-time cash checks to low-income folks of all types. Those who use debt for more than they could afford? Not so much.
And it is much more often renters who are in desperate straights more than homeowners. Yet, often the landlords to those renters can’t afford simply not getting paid on some sort of “deferral” program.
I suppose you want student loan debt wiped out too.