Which part? The 20k cap is a pretty large cap so it is hard to enforce and it’ll probably get brought down smaller to 10k transactions or slightly higher to 25k to match pattern day trading of stocks.
It also doesn’t help that the IRS had it’s balls further cut off by Trump when he was in office. So they’ve been understaffed and underfunded.
And other countries supported their citizenry financially, so they would not be utterly screwed by the lockdowns.
It’s unfortunate, and frustrating, because we continue to throw low income workers under the bus. This is why I’m hoping people are paying attention, and every hard working person out there sees it’s time to set aside political differences and make a stand against the continued protection of corporations as the people continue to suffer.