Check link
https://www.youtube.com/watch?v=sc1yikYbc_0
https://www.youtube.com/watch?v=YhKq0kNcP3o
What you just wrote is known as confirmation bias. The videos talk about the increase in prices, which is relatively recent, and that makes people have less disposable income, but from there to saying that people have run out of liquidity, there is quite a long way to go.
What is happening now is that people are holding back consumption and a spiral is forming. Higher prices, people are consuming less, banks are lending less, anticipating the rise in rates and taking into account the fall in the value of assets, etc. If you think people don't have money now, I don't know what you will say in 6 months.