I think instead over these last 2 years learning about their vulnerabilities and being smart with doubling down on paying off debt and curbing spending, they doubled down on spending on the credit card.
In a way that is what has happened although it's not necessarily CC, there has been at least a subset of people who have come away from the pandemic with a different mindset on life. Can't really blame them. Isolation affected everyone differently, not seeing loved ones, knowing people who have passed away, etc it all is understandable on a human level why how someone viewed their willingness to spend money differently.
But there are also people who have taken the opportunity to shift jobs too. That is what my husband has done and he makes a good amount more than his prior company (who did ask for him back at the increased salary he turned them down) and we also paid down debt paying our student loans during the pause where they have been paid off, my stimulus all went to private student loans, we refinanced early on in the pandemic due to interest rates being a bit lower.
We didn't necessarily halt our spending but as a byproduct we didn't vacation like we had planned and our first actual trip was a year into the pandemic with a very modest amount spent. We aren't going crazy with our money but we do have 2 trips planned next year with one being a pricey one but after 15 years of knowing each other and 10 years of marriage (at the time of the vacation) I think we deserve it, our less expensive trip is technically our 10th anniversary one but this other one is more of treating ourselves, something that we tend to hold back on usually. I don't doubt that there are other people out there like that as well. We're not driving ourselves into debt however by doing so. We are however maximizing reward points on a CC as they have paid for in part our flights to Europe via transferring those points to the respective airlines, we're about to book 2 nights at a hotel in Venice just with the points earned on the CC, we'll do the same for our Athens hotel, etc so I wouldn't also blame people for doing things like this.
In terms of the grocery talk it is atrocious what that is costing and we normally shop Great Value brand. It wasn't even that long ago that our grocery pick up orders hovered around that $35 range that gets you free pick up (we usually buy groceries for just a few recipes at a time) and it's all too easy to hit that mark now without even getting much.