Is 2020 Stimulus Check Just an Early 2020 Tax Refund?

During the Bush era stimulus, the stimulus check was just an "early tax refund"--I ended up having to pay some of it back the following tax year. It was basically a government shell game--I didn't really get more money, I just got some of the money sooner, and had I known I wouldn't have spent it. It hurt me more than helped and I am still angry about that.

 

This time around I do have dependents and tax credits I normally get. So, is this going to be the same deal? Say I get $2900 next week, will I then NOT get my regular set of credits and get a smaller (or no) refund next April? If so, what is the big deal--Because the Stimulus is a Zero Sum gain for me (and most American's really).

 

Am I missing something?