The vast majority of people don't need the money. And even those that do will get by without it, as people always do.
I think this is the wrong framing.
Would tens of millions of people in difficult economic circumstances be helped by direct payments? Yes. Would the economy as a whole benefit? Yes. Are there any inflationary or deficit risks? No.
Most people don't 'need' Social Security who receive it. A 'needs-based' targeted welfare state would be cumbersome, inefficient and fail to include people who it was supposed to protect. That's not a good standard for public policy in my view. Get the checks out and help people before worrying about just deserts.