Means testing is just as bad as offering a payroll tax cut. “Hi, family that made 100k in 2019, made 95k in 2020, but hasn’t had anyone employed since mid-December … you’re rich, so suck it!” sounds better than “Hi, family who made 100k in 2019, made 95k in 2020, but hasn’t had anyone employed since mid-December… you’re out of work, so suck it!”. But they’re both essentially the same statement.
I’d thought about including some sort of opt-out process. But if you don’t *need* the money, nothing’s stopping you from donating it to the local food bank / homeless shelter / etc either. Or saving it in case you get laid off three months from now (yes, I know “saving the stimulus money” … but what’s bad on a macro level isn’t always bad for the individual). So an opt-out infrastructure is a bit of theater that adds expense and delay (i.e. a Bad Idea).