I was reading an article on BloggingStocks about new proposed tax-cuts :   The key point from this was that any tax cuts or stimulus plans would probably be used to pay down debt or  "saved" at the bank and not used to stimulate the economy like these programs are intended to do, which is spend.

The Bush tax rebate happened before the recession started to bite. Many people were willing to spend the money the government sent them. But, in much less than a year, sentiment has changed tremendously. Business and individuals are showing that any money they bring in goes to pay debt or increase savings. It is not clear how that helps the economy quickly. As a matter of fact, given the overall reluctance to spend, it may not help the economy at all.

 

Rather then a check or a direct deposit ?  What would happen if you got a Pre-Paid Stimulus Payment Card, you would likely spend it, rather then deposit it ?  The TV Coupon Converter program appears to be a good model for this.