So, what if a business was successful, not impacted by covid, and wasn’t planning to lay off any employees anyway? Say, technology consulting company with 100 employees. Took out a PPP “loan”, which will be promptly forgiven since they keep the staff, who gets to keep the money? Something tells me 100% goes to business owner and 0% to employees.

I think there are quite a few companies like this. Hence “money goes to those who least need it”.