As U.S. lawmakers try to figure out the fine details of their COVID-19 coronavirus stimulus bill, they have one big hurdle to address. Millions of Americans who need funds the most right now are also unbanked, meaning a check in the mail will come will come with its own challenges. Perhaps using some lessons learned from past financial hearings, House Democrats have bandied about the idea of using a digital dollar in the bailout. In at least one version of House Speaker Nancy Pelosi\u2019s bill, she proposes a digital dollar. It would be \u201ca balance expressed as a dollar value consisting of digital ledger entries that are recorded as liabilities in the accounts of any Federal Reserve Bank or ... an electronic unit of value, redeemable by an eligible financial institution (as determined by the Board of Governors of the Federal Reserve System).\u201d Although financial institutions in the U.S. are stronger than in other parts of the world, there are still millions in the country who don\u2019t have bank accounts. They don\u2019t have many options if the government mails them a check, and many would have to pay a 3.5% fee or more to cash the check, wasting potential billions of the stimulus package. A digital dollar, or a more independent financial tool like Bitcoin SV (BSV), would remove this hurdle completely. Pelosi has withdrawn this clause from her latest version of the bill, possibly because implementing this new technology may take some time, something the U.S. doesn\u2019t have a lot of at the moment. \u201cIt is worth exploring, testing, and piloting a true USD CBDC and broader digital infrastructure in order to improve our future capabilities and resiliency, but it is also important that this effort not delay the government from deploying critical emergency funds using existing channels during this crisis,\u201d said Daniel Gorfine, founder of fintech advisory firm Gattaca Horizons and former chief innovation officer at CFTC. \u201cWhile the crisis underscores the importance of upgrading our financial infrastructure, broadly implementing a CBDC will require time and thoughtful coordination between the government and private sector stakeholders.\u201d We may also know which lawmaker proposed this idea, and where she got it from. Chairwoman Maxine Waters of the House Financial Services Committee, who may have recommended the digital dollar, still has it in her proposals. She had a summer school\u2019s worth of lessons on digital currency when her House Committee grilled Libra\u2019s David Marcus over Facebook\u2019s plan to rollout a stablecoin. Her driving concern was less about the technology, and more about if Facebook\u2019s history of scandals could be overlooked.