May I advise you to stop calling people daft and then simplifying a complex issue? Or perhaps don’t call other discussers daft at all?
Anyway, the difference is in execution: when only a portion gets the money, corporates can’t take the whole stimulus from you, because not everyone has the same amount of money.
When everyone gets a stimulus, it’s basically free money for corporations. If everyone gets $1000, you can get corporations will find a way to raise their prices by $1000 over a short period of time.