Many fret that capital is being routed to businesses that will underinvest in growth for years, even if they recover enough to fully pay the interest on their debt.

How the end of federal aid programs will impact the economic recovery remains to be seen.

Perks like ping-pong tables, commuter benefits, and on-site meals are suddenly irrelevant. This may be a good time to reinvest the budget for those types of benefits into financial-wellness tools.