It is a combination of several reasons, some of which you already hit on, keeping people home and keeping the economy from falling off a cliff. The other issues are the capping of unemployment is so low even in this state it is 360 a week. That is barely much above minimum wage at 40 hours. Combine that with other states where it is even lower per week. Also the expectation was this wasn't going to last just a couple of weeks and unless we want to see the middle class run into massive amounts of foreclosure or evictions there had to be more put in. This is basically money to save their houses though I do think 600/week is too much, I would go with 100% pay capped at 800 a week or current unemployment + 300-400 a week more. All these things combined would be why it is higher. The main thing is not killing the housing market because not only does that hurt those who get evicted/foreclosed on but that also hurts those who don't as it causes property values to plummet, see 2007-2009 for example.