There's also fraud from the money that's supposed to go to small businesses. My family lives in Chicago and it feels like their entire neighborhood all got $10,000 by pretending to be small businesses, and they teach each other how to do it. Everyone they know has gotten money from that and its become a meme ("did you buy that coat with your 10K check?"). My family is trying their best to resist also throwing in some applications to just get a piece of that.