"If everyone has a Fed account, with none of the fees or minimum balance restrictions that discourage millions of Americans from opening accounts at commercial banks, then it would be easier to distribute stimulus payments..." https://twitter.com/BCAppelbaum/status/1250585541566959620

Easy to say, not so easy to do, apparently. For example, FRA requires Fed to recoup cost of program. Free (basic public) service would require change in FRA. Other issues as well (incumbent banks). Follow @MorganRicks1 and @GeorgeSelgin on this.