Wouldn't the stimulus plan be more effective if?

787 billion dollars was allotted by congress for the U.S. to buy itself out of the recession / depression that we are currently in. in this country the total populous is less than 305,000,000.now the biggest problem with an economy in the situation that we are in is the snow ball effect , one person stops spending so one business needs that much less product in turn needing one less employee who in turn stops spending ,and the process repeats itself 100's of times over (it is much larger than that but i hope you get the idea).so instead of congress spending so much of your children's and grand children's money what if laws were enacted to prevent producers from increasing the price of their products to meet the new found wealth the country has inherited and then mete out as much as 1,000,000 per person over as much as a 50 year period(a government backed account) i know if you drop 1,000,000 on most people they will probably quit working and try to live on the mil. plus interest but in this account the government recoups its money through the interest and you must prove a hardship or genuine need to access your money. now for immediate help everybody gets a $25,000 check tomorrow to kick start the economy and the stimulus plan goes from putting our country 787 billion in debt to 305 million in debt, less than 1/3 of a billion dollars?