I doubt it's so much people have more disposable income as less time, I mean if we're comparing to people in the past that didn't even work full time, what kind of a comparison is that.
I think I really just go out/get takeout (and I seldom got takeout before covid) for a few reasons, saving time sometimes when I'm to tired too cook, but sometimes just wanting to get out of the house. So it's not that I can't cook perfectly good, often frankly better food, but that I'm so tired of these 4 walls, I want to hang out somewhere different, be in a different atmosphere, and yea hopefully tasty food with no effort is part of it! That is the restaurant experience. (but housewives or something of yesteryear never needed to just get out of the house, I don't know they must have lost their minds) If I want to save money, maybe I just go to a coffee place instead to get out of the house get a drink and maybe a pastry on a weekend. Anyway none of that applies with covid, I sometimes don't want to cook and get takeout, but there is no getting out of the house. Today too hot to go anywhere outdoors, too covid to go anywhere indoors. It's hiding in the house and reading with bf, ok got a take out pastry .
Yea I don't know what should get govt help, except there was the PPP. I mean it's never going to be fair, airlines got a lot of bailout etc., who knows why. They could have subsidized payroll and controlled covid (like Denmark) and the economy would be in much better shape. However neither was done. I mean what should get the money were there any bills that could pass: states and cities.