Americans are sitting on more cash than ever.
Among people with some degree of the means to actively carry on with an investment plan, many are relatively well off. I applaud them and consider my retired self among them.
However, to anyone without those means - usually achieved via an educational foundation and a sensible lifestyle bolstered by the daily grind of taking advantage of employment opportunities - they are hurting bigly.
I notice your outlook is always as one of the investor class - something a lot of those week-to-week paycheck earners have not the means and knowledge to participate in and that's their loss.
Consider yourself fortunate, a good fortune that's been well-earned, I'm sure.