My wife and I looked into several different personal or short term loan options for our upcoming IVF cycle(approx 30k$). Most banks have either stopped offering them completely or made the requirements much harder. The two of us with credit scores of 750+, combined 200k annual income and little existing debt couldn't get approved for a simple 5k$ loan.
I fear for those that have a more dire need for the cash than we do.
If you have bad credit but have over $1,000 in cash, go and get an unsecured loan for roughly 90% of your cash on hand. Ideally the terms should have a negligible or nonexistent prepayment penalty. Once you have the loan, repay it within 2-3 business days.
Rinse and repeat until your credit score starts to improve.
It's not a terrible hardship given our current situation but given the volatility in the job market it certainly makes us uncomfortable.
Also there have been temporary measures in place for things like utilities, ISPs, mobile phone plans etc. where people will keep accruing obligations on their bills without the services being cutoff. However it seems that those programs are about to come to an end. Locally where I live the utility service here said they will start doing cutoffs in August.
So I think it's a mixture of some amount of savings, some access to credit, and then a kicking of the can down the road for a few months. So my guess overall is that basically we are simply delaying the problem in a bunch of different ways. But at the end of that delay is going to be a lot of economic hurt when those bills actually come due.