"Billionaires" (or the much, much more common millionaires and hundred-thousand-aires who own most companies) wouldn't "spend the pocket change", they'd just lay people off or furlough them. This program was designed to keep businesses afloat and to keep them from laying off employees. It's a nice idea to think that all these companies would just altruistically keep their employees around doing nothing while they're shut down, but that wouldn't happen.