Well, the comparison is flawed. You work, either offering a needed service or product. You are paid in return for this service or product. You then spend it on other products. So, now you're $10,000 in debt and not spending any money except for the bare necessities and nobody is buying you're product or service. Therefore, no one is investing in the company you work for. The business cycle is not being stimulated. The flywheel of the economy is consumer spending, unfortunately,the US doesn't manufacture much anymore, and what they do manufacture isn't usually a necessity of life, albeit, they'd like to convince you that it is. Since no one is buying anything, no one is investing in anything. That leaves the spender of last resort, government, to stimulate the business cycle by implementing infrastructure spending, awarding government contracts to private industry and stimulating the business cycle. Think of contractors building a bridge, they hire new people, they purchase or lease equipment, that equipment needs parts and service, the parts house needs more people to fill orders, the shipping companies need more people to deliver these parts, the port a potty renal place needs more drivers to deliver their products to job sites, etc, etc.
You can't balance a budget in a deep recession. History has proved this. You can, however, strategically stimulate the business cycle with government spending which will stimulate more spending, tax revenue, and investment.
I won't say the stimulus is being used appropriately, but I am a proponent of the Keynesian model as it has been demonstrated to work. Okay, ready for my thumbs down now. Thanks.