The statistics overall don’t bear this out. Customer numbers in hospitality have fallen by about 25%, as has customer spend, and an estimated 1/3 of cafes/restaurants are operating at a loss. Overseas holiday bookings have dropped by around 10% and the travel sector also has had a lot of companies going out of business or are very close to doing so.
I’m not sure what the standard of “wealthy” is in the area you live, buy in my modestly wealthy life (combined income of about £130k) whilst we are not in any way struggling, we are cutting back. With a child about to go to university, and uncertainty over the future, we are looking to protect ourselves from any major economic shock that may be coming. We eat out less, we consider our spending more, the words “can we afford it” have come back into our vocabulary after about 15 years of not really having to consider it. We no longer have a cleaner, we switched our disabled daughter’s (necessary) gym membership from private to Local Authority. I bring lunch to work instead of spending £8 a day on a sandwich and a packet of crisps from the closest deli. Our dog walker will be next, can we afford 5 days a week when either one of us is WFH every day. I’m not complaining about any of that, I know we are fortunate to be in our situation, I can clean my own house and walk my own dog and make my own lunch. I mention those things because us not having a cleaner is one more person whose income is lower. Us not eating out is another restaurant/cafe struggling to survive. My dog walker is £50 a week down if I cut back. Those who are in this middle/a bit higher income bracket having to tighten their belts isn’t something we’ve seen for a while. It isn’t a case of “boo hoo are your diamond shoes too tight”, it’s a case of the service industry contracting which means more lower paid workers are struggling to find work, which means income related benefits are higher, inflation goes up, so interest rates go up and the situation gets worse and worse.
I don’t know what the answer is. But your situation isn’t unique and what you are seeing around you probably isn’t the whole picture.