Let's say Biden manages to get 75% of people vaccinated by the end of July (optimistic based on how things are going right now, I know). At that point there has yet to be any real solution to all the problems of covid. The rent crisis, the commercial real estate crisis, people needing money, food, etc. The fact is that people need large sums of cash quickly. Of course there's the deficit to worry about. Trump ran up a huge deficit and there's no more stimulus coming. But there is a solution.

Biden, along with a crack bipartisan congressional team form a coalition. Their goal is to deregulate banks enough so that the poorest people can get loans with few qualifications (ie credit score). And those loans will be backed by the US government (kinda like student loans). They will be high-interest but you won't have to pay them off for some time or can pay them off over a long period. Desperate, tons of unemployed and even houseless people line up at banks to borrow thousands of dollars just to make ends meet. The media praises this as a smart free market solution. Warnings about it are stifled and relegated to crackpot right wing attacks on helping the poor.