You wouldn't want it. The Bidenbucks you get in a crisis would be the expiring money. It would force you to go spend it on food to keep your local restaurants alive, or replace your phone to keep the factories running, etc.
Instead we all got $1200 and pumped it into Doge, some EV SPAC, or similar speculative "investments".
But this is my money then, isn't it? My property - my rules.
If I have enough money without this check due to personal savings and economy, it would be pretty much unequal and unfair situation if I won't get anything from this helicopter money (making it expire) and some guy who got himself several debts for parties and travelling will get help.
Let's say that people actually spend money given to them, but invest their remaining saving into investments, if that make someone feel better. If I have my own 1200USD and get "expiable" 1200USD for free - it doesn't matter which one I spend, technically.
Why wouldn't people immediately trade this expiring "money" for any other currency, precious metal? Even memecoins are better than holding currency that's guaranteed to disappear.
This is government-enforced consumerism. Nobody wants to be forced to buy random stuff they don't need just to keep some struggling businesses alive. Saving or investing this money is a much better decision.
Every purchase would be coded like they already are with credit cards. You can spend it only on the right category. Good luck trying to launder it when every transaction is logged and easily queryable.
"Government-enforced consumerism" sounds an awful lot better to me than picking winners and losers like in 2008 or massive stimulus that did nothing but boost asset prices like 2020.
You could make informal trades where you pay for something someone else would have already bought and give them a small discount. Or just buy something and resell it immediately.
Instead we all got $1200 and pumped it into Doge, some EV SPAC, or similar speculative "investments".