It's not that simple. A lot of those poor folks in your database won't have a bank account, or won't have stable contact information, or will have other financial priorities with the money. I'm generally a huge fan of cash grant based welfare, but if you're trying to do immediate emergency relief to ensure people don't get evicted during a pandemic, it's not up to the task.
Yeah it’s impossible to get any government aid without a permanent address that is not General Delivery at a post office. Housing is not just about keeping a roof over your head. For people who are already reliant on welfare and unemployment it’s the difference between being on the dole and losing everything.