I was asking because my typical sole proprietor, even Uber driver,  works out of his/her home, pays no rent, has no debt and has nothing on which to spend 25%.

There is some double talk in the SBA documentation, and it seems to contradict itself. One place is says you have to re-pay 25%, and elsewhere, it says it is a windfall and it is forgiven.

That is the way I read it.  That is why I asked.