The most pernicious aspect of provisioning liquidity through the CARES act is the way the act perpetuates indebtedness on working Americans for the benefit of capital. The SBA loans to small businesses, for example, are distributed by banks at varying rates of interest according to credit history and risk determinations. The two mechanisms – the Paycheck Protection Program (PPP) and Economic Injury Disaster Loans (EIDL)—advance the interests of capital by stipulating payments to debt mechanisms as one such required use. In the case of the PPP specifically, 25 percent of the total loan must be used for costs other than payroll, which include interest payments on existing debt. Similar conditions apply to EIDL loans. In both cases, small businesses are offered cash–public money–for immediate needs by turning it into capital for banks. Instead of providing payments directly to small business owners and distributing money through banks, the government perpetuates the creditor-debtor relationship and the role of money as a commodity. Under these conditions, the post-pandemic economy will not emerge as one better for workers or the poor.