Would it have been better for the IRS to validate the direct deposits to be more accurate, or was this best to get payments to people as quickly as possible?<p>Some potential issue I see if you don't do some exception analysis with direct deposits:<p>* filed jointly in 2018/2019 and spouse is deceased
* couple is divorced? join in 2018, single file in 2019?
* dependents no longer dependent (deceased, filing individually, etc)
* direct deposit went to wrong account (wrong account number, tax preparer's bank account, etc)
* bank account closed