> We’re spending so much that my CPA friends are working overtime to help businesses figure out what to do with their stimulus money.

So really what you and @lanai are talking about seem to identify you both are in completely different strata.

As the US experiences more and more social/economic stratification, these separate realities become more divergent (canonical YMMV).

It's peak ignorance to pretend everyone has the same conditions as you. Stats show many people are suffering.