You filed your taxes Jan31st what does the fact that you elected to have the cost deducted from your refund have to do with your stimulus check being held up AND paper?

When you have your fees deducted from the refund, the IRS sends the refund to the tax preparer's bank which deducts the fees and deposits the rest into your account. Since the IRS doesn't want to send the rebate to that account, they're issuing a check instead.