My wife and business partner had no payroll, because they do things themselves. Some people were telling her she could still get PPP, but it was not possible to get an informed bank human on the line to ask about it, and then all the money was gone and she moved on.
If this was the very first round of ppp, I believe that banks got up to speed after a few weeks, and more money was found, so the situation improved considerably.
You might be surprised how much money is made and exchanged under the table which makes negotiating these things precarious for some businesses. The negative economic impacts when these businesses die are still felt regardless of if they cheat on their taxes.