Why is a 2% fee acceptable on money being given to the public during a crisis? Why can't the government just give the money directly to businesses without some

Why is a 2% fee acceptable on money being given to the public during a crisis? Why can't the government just give the money directly to businesses without some middleman extracting a 2% fee? Boggles my mind that anyone jumps to defend the banks in this scenario for what effectively amounts to a racket.