The smaller the payments, the larger the coordination problem people have to solve together to aggregate the money into a capital investment that returns growth

The smaller the payments, the larger the coordination problem people have to solve together to aggregate the money into a capital investment that returns growth and jobs. Arguably, in the group who received lump sums, if only a small minority of them started businesses that employed others, they would raise the quality of life for more people than groups of people getting small payments and having to coordinate larger groups to improve their collective prospects. Whereas, those who got a monthly stipend would very likely just come to depend on it, and maybe pursue other things like raising kids or going to school, but I'd bet the businesses kept the opportunity and wealth in the community they built it in, where the kids and educated would leave to find better ones.