It's just you. There will always be people with money, there will always be periods of time of boom and bust. Covid caused a lot of problems for the whole world in the last two years and strong shocks to the system will naturally cause people to be more conservative in your spending - if you think the future will be tough then you will be careful with your money. After a couple years of hell for most countries, people are out and spending again from what I see, there are some who lost their jobs in the crisis who may be without the financial reserves but others were working all the way through it and want to start using those accrued savings now.