Sure, make accusations of fraud The OP didn't allege fraud. He stated two facts... relief loans were not required to cover wages. Loans <$150k can be forgiven

Sure, make accusations of fraud The OP didn't allege fraud. He stated two facts... relief loans were not required to cover wages. Loans <$150k can be forgiven. I don't think it's unreasonable to require some % of the loans to cover wages of employee's whose hours were cut or were furloughed completely. That said, a better option would have been direct payments to employees from the government. The $1200 check model but on a larger scale (ie, $1200/month or similar).