How does that end up in the hands of regular people doing renovation or home builds?
[1] https://www.pandemicoversight.gov/news/articles/update-three...
Just because "lots of people not being able to go to their job and get paid" doesn't mean all or even most were in the same situation; the numbers[1] tell a different story, and that doesn't even begin to account for the aggregate impact of nationwide loan pauses, or the irrational exuberance in equity/crypto markets at the time.