just thought of an idea to add to my previous post, so maybe for banks that are sitting on that big pile of cash the "easy money" that they got from the fed, we could say "hey well, we know you basically probably will essentially never pay us back on this, so if you loan the money to small businesses, then you can get a 10 year loan extension on that free money we loaned you... and pay no interest on the money that you loan back out to small businesses.."