You're not going to get much of change in behavior until folks actually run out of cash. They're not brilliant enough to project this outcome.........as evidenced by the ongoing credit card spending.

When all cards are maxed out.........and there is no more cash in the wallet for food and/or gas.........there will be some reduction, by necessity.

Until that time occurs, it will be a bit here..........a bit there........leave the $hitbox at home.........but the traffic won't be significantly affected.

I was speaking to a fellow who owns a GMC Yukon. Gets 8 mpg..........wants to trade it in.........dealer will give him $5K for it..........it's a 2002 vehicle.