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" ... For the nearly twenty percent of Americans without a bank account, the government could use the existing prepaid disbursement program in lieu of a physical check. Such programs already deliver funds to millions of Americans. This would be appreciably faster than a paper check and won’t necesitate them taking it to a check cashing center, which will take a sizable fraction of their money at a time when they can least afford it. It also does not make sense to require another person-to-person interaction at a time when the World Health Organization has pleaded with governments to reduce such things. ... "