Congress created the Paycheck Protection Program with good intentions: help small businesses both to survive and avoid laying off their employees. Giving out over $500 billion certainly helped, but PPP has run its course. Rather than applying for the $130 billion still available, millions of small businesses will close down. Small businesses and workers still need help, but we need a better way to provide it. Fortunately, there are bipartisan proposals already in Congress to do that.