Most of the people I know spent last years stimulus for catching up on bills. If you think about, if you give someone enough money to pay off their debts (right now anyway) chances are they would. At least pay them down anyway. Some of the top priorities in the basic household are keeping the house and the car. You give someone 200k they would pay off the car and get ride of a good portion of their mortgage. If they're smart they'll set aside 10k in a savings account for the rainy days up ahead. What we got last year was good, but not really enough to do anything considering the average debt of someone in their mid 30's.

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"BOY: On a hot summer night, would you offer your throat to the wolf with the red roses? GIRL: Will he offer me his mouth? BOY: Yes. GIRL: Will he offer me his teeth? BOY: Yes. GIRL: Will he offer me his jaws? BOY: Yes. GIRL: Will he offer me his hunger? BOY: Yes. GIRL: Again, will he offer me his hunger? BOY: Yes! GIRL: Yes. BOY: On a hot summer night, would you offer your throat to the wolf with the red roses? GIRL: Yes. BOY: I bet you say that to all the boys!" -Meatloaf