I think it has more to do with stagnating wages which haven't kept up with inflation (or for that matter productivity) than it does with irresponsible spending. The growing number of people who can barely keep the lights on aren't spending all their income on door dash. They're cutting back on groceries, going to food banks (who have seen record demand) and being forced to resort to Buy Now Pay Later loans for regular groceries (14% more than they were last year https://www.cbsnews.com/news/buy-now-pay-later-bnpl-loans-gr...)