Deductions & credits

You misunderstood the eligibility criteria.   The stimulus checks were an advance credit based on your 2020 income tax return.   When they sent checks out last year they had to hurry so they used 2018 or 2019 returns and hustled those checks out.   If you really do not qualify based on your 2020 income they do not make you pay back the money, but if your 2020 income is too high, they do not go  backwards and use your 2019 income.  So, sorry, if your 2020 income was too high  then you just do not get the 2nd stimulus amount or perhaps you get a phased out lower amount.   

Per the IRS rules of eligibility:

A1. Generally, if you are a U.S. citizen or U.S. resident alien, you will receive an Economic Impact Payment of $1,200  ($2,400  for a joint return) if you (and your spouse if filing a joint return)  are not a dependent of another taxpayer and have a Social Security number valid for employment and your adjusted gross income (AGI) does not exceed:

• $150,000  if married and filing a joint return
• $112,500 if filing as  head of household or
• $75,000  for eligible individuals using any other filing status
  Your payment will be reduced by 5% of  the amount by which your AGI exceeds the applicable threshold above.

You are not eligible for a payment if any of the following apply to you:

• You may be claimed as a dependent on another taxpayer’s return (for example, a child or student who may be claimed on a parent’s return or a dependent parent who may be claimed on an adult child’s return).
• You do not have a Social Security number that is valid for employment.
• You are a nonresident alien.
  The following are also not eligible: a deceased individual or an estate or trust.

The criteria for the 3rd stimulus is a little different:

https://ttlc.intuit.com/community/tax-topics/help/how-will-the-stimulus-package-impact-me/01/1393859...