providing stimulus funds in the form of direct debt payments will relieve middle and lower income Americans from the burden of consumer debt. This would allow these Americans to spend their money on goods and services, which would create jobs and stimulate the ecomony. Many large corporations have received stimulus funds because they made bad loans. Stimulus funds paid off these bad loans but the consumer was never credited with the debt being paid.
The economy is stagnant because no one has any money to spend. With no one buying, manufacturing slows, people are laid off. People with debt and no job can't get loans to buy anything. Nothing sells, manufacturing slows, more layoffs. A downward spiral.
Pay consumer debt without destroying the credit rating, allow spending to start again.