You’re giving yourself way too much credit when you say you’re “overthinking”. It doesn’t seem like thinking is your strong suit. The point is to make sure that people have more than enough money to stay in, pay bills, and get supplies when supplies are scarce. We don’t want people going out, we want them staying in. We don’t want them worrying about pinching pennies to afford food or rent, feeling like they have to go out and endanger themselves and others to work. We don’t want people anxious to get back to work. It’s the entire point. God forbid people live comfortably at home during the worst pandemic in 100 years! God forbid people start to expect something more than being treated like trash their entire lives! What an awful precedent to set!