3. I've noticed that cycle in our town for the last decade.
We're supposedly in a "boom", but what I see is great business in restaurants and stores on the 1st-3rd, and 15-17th, paydays. Then I see many many garage sales on the week between - the 10th and 20th, and what people sell are things like headboards, their dryer, not the washer, the dishwasher, electronics, things not absolutely needed.
Big lines at Redbox and all the video rental stores are out of business. Only two movie theaters left. 85% of the kids in the high school where I teach qualify for free or reduced lunches.
Young women with two or three small children walking carrying their bags from the Dollar Store, no car of their own, and very limited bus service here. For shopping, it goes to the mall, but these folks are not going to the mall.
Yes, when you're poor, everything takes longer, costs more, and is not as good as you wanted it to be.