[jimbokun]

I think lack of enforcement was a deliberate decision to get the money out faster.

If each claim was investigated closely before paying out, it may have resulted in higher unemployment and lower economic output.

[OkayPhysicist]

Most of the fraud was the business loans, that they then forgave. That structure innately gave them the opportunity to take their time investigating them, after the benefit was already produced. They just chose not to.