Will -

Maybe the devil is in the details and you missed the complete package, but question #3 seems to show you didn't...

"What incentive is there for the businesses and people who have made poor (and often greedy) decisions over the past few years to change their behaviors?"

The $600 rebate per person is hardly going to help anyone that has mortgage himself to the hilt to buy a house he can't afford. It may put off his foreclosure for a month or two, but it won't help and he'll still be punished by the market for his greedy decisions.

Some of the greediest people were Wall Street bankers who packaged risky sub-prime loans as Grade A bonds. Banks are writing off BILLIONS and these $300 rebates (if that is what they are and not just loans against our 2009 tax liabilities) won't do much there.

Overall, it isn't a horrible package. The economy is based solely on expectations. With the media screaming RECESSION! RECESSION! like it was 1929, politicians had to do something. The package is designed to reassure people that the world isn't going to hell in a hand basket.