I think the Cuban plan has something going for it, since it directs bail out funds to precisely the place they are designed to go - consumers.
In the past - the Global Financial Crisis, for example - governments and central banks made the mistake of putting emergency funds in the hands of commercial banks, and trusting them to trickle down the money to consumers. This patently did not happen - a large proportion of funds fed to banks at this time were used to pay senior bank bonuses etc. Not enough reached the real economy. Quite why governments gave enormous amounts of funding to banks in this way without any conditions on how it should be deployed remains a mystery.
Cutting the banks out of any current bail out funding, and directing benefits squarely at consumers, is possibly the only way to ensure the maximum real economy effect. Banks have proven themselves poor administrators.