This is confusing: "& I have a client with no 2018 or 2019 return filed."

Because you told us a Married Couple, and one is getting a W2. That means the Spouse is already on the MFJ return? And would be counted for the stimulus, already. None of the rest of this dialog applies.

A lot of people are confusing the Stimulus check, which is more like "because you are a citizen" with the Paycheck Protection act, which has no employee responsibilities.