Please don't take this the wrong way.
But let me tell you how wrong you are.
on Oct 1 roughy 40 million Americans must resume making student loan payments that have been halted for more than a year. Those average 400 dollars per month, which is higher than the average car payment
All of the back rent protections and eviction moratoriums are only starting to end right now. Remember the National Rent and Eviction protections end on June 30th. You haven't even seen any impacts from this yet as many billions in back rent are suddenly due and massive numbers of evicitions begin.
Although you can see the tremors starting here... http://www.npr.org/2021/06/10/1004046446/millions-could-face-eviction-with-federal-moratorium-ending-and-log-jam-in-aid
To bring it home....Here in NJ the utility shutoff moratorium has been extended to Jan 1 of 2022 http://www.njspotlight.com/2021/06/nj-extends-moratorium-utility-shut-offs-six-months-allow-officials-more-time-help-customers
That means nobody has to pay their utility bills for the rest of the year. Now the utilities are asking...well we can't have customers who don't pay for nearly two full years...600 million in back payments last I saw a number and obviously that's growing. Utilities are going to start asking for emergency pass through increases on bills if this isn't resolved soon.
So the economy has not felt at all any of the damage from people who are currently spending their rent. utility bills, or student loan payments on general discretionary goods.
And this is something like 1/3 of the country.