Inflation here? gas/grocery prices just continue to climb

Eventually folks will have to evaluate their personal lists of ‘wants’ and ‘needs’. Before long the wants will need to be cut back or eliminated. That may not seem to critical unless you are a business that caters to the ‘wants’ in our society. Some of us are to the point of not doing anything for fun anymore. Seriously, nothing.

there will always be discretionary spending- just the prioritization of said spending will be adjusted.

Save for that trip vs tossing on credit card and thinking you will pay it later.

But yes, if you are a business that depends on "discretionary spending" , things are going to get real bad here