I've made a few adjustments, I'm just over the limit to get any benefit/UC whatsoever, single parent household used to spending money without too much thought BUT we don't drink alcohol, eat meat, I don't do expensive holidays and I've got rid of the cleaner as I WFH and it's more hassle than it's worth to have someone faffing about when I'm in. I spend a lot on cafes, eating out, buying nice food, cinema, charity shopping, teens go out a LOT to similar things with their friends. So, it's not that we are not affected, it's that we are able to shuffle round our money to what we enjoy doing. Many households won't be able to do that.
My mum does the same: she has a smallish pension, but spends it on coffees out and charity shopping, the odd coach holiday, choir, she looks lovely, goes out almost every day, appears richer than she is, but actually her lifestyle is very much tailored to her budget. No mortgage though and nice big house paid off just before retirement.
There's a different between genuinely having no money at all, and having to just cut back/adjust a little.