Guess you're forgetting the whole "lots of people not able being able to go to their job and get paid" thing during this time, right?
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.