Is it me or is congress hedging on the stimulus when it comes to helping ordinary citizens?

Why was it such a seemingly easy call to give banks what they asked for but citizens face an uphill battle? This strikes me as an upside down perspective upon the part of certain persons in congress. Business pays into the federal collection plate less than 20% of collected tax revenue while citizens pay the remainder. That fact suggests to me that when it comes to handing out our tax dollars banks and such should have their request thoroughly scrutinized and if there is any reluctance upon the part of our lawmakers about who gets what it should be slanted to giving citizens a leg up and not the other way around. This circumstance adds emphasis to the feeling that this is all a huge rip off.