The forgiveness is not based on need. It’s based on how you used the money. The current application makes no requests for any financials besides proof of where

The forgiveness is not based on need. It’s based on how you used the money. The current application makes no requests for any financials besides proof of where that money went. Did some businesses end up not needing the money? Yes, sure. But there were weeks of uncertainty and unknown closure times. The effects on the economy are still unknown really. I don’t think anyone should be punished from taking money just in case, and luckily they were able to make it. States are shutting down again, so who knows.