In figure 5, which you referred to earlier, was that borrowing dipping into savings? Those aren't meant for buying food or everyday essentials. Borrowing for food is higher and higher as you go through the generations. It's higher with the younger generation. The few “great generation” who are left have the smallest, at 13%. When you get down to generation Z, 46% are taking whatever little savings...or borrowing money to pay for food.
Have you seen a gradual, or not-so-gradual, change in those numbers?