If PPP were not done, the money would have gone to workers through unemployment benefits. Having had to deal with a layoff for a month, dealing with UI was not easy and those system were not designed for what was asked.
It was not perfect. There were people who got them who probably did not need them. Some took them out because they had no idea what was going to happen or how long it was going to go on for.
Even with my libertarian, small government streak, such a national emergency is just what a federal government with its ability to borrow money can and should do. States cannot do it as many cannot run deficits.