I agree in the sense that money will go further when pooled, than if you just give it UBI's style. But, this is a societal crisis, not an individual one. It is not fair to ask people to pull themselves out of a situation that they did not create, but that our unaccountable government did create.

An example: restaurant are struggling and some people need food. Give money to Town gov, so they can buy food from restaurants and serve that in community center. Adjust volume as needed.

Plus the whole financial easing they are trying is dumb. It would be useful if the intention was not to control what is happening with the public markets. We just do not really control those, not on a daily basis anyway. Algorithms heavily relying on market volatility control those, and that is what they are doing right now. So, seeing an administration believing that humans are in control of a mostly automated trading system is dumb.

While the evolution of new virus with pandemic property is not something we control. Its propagation to pandemic level is something we have absolute control on. We are failing as a society, because we allow those things to happen.