It's not like retirees are bathing in cash either. It's just that when plutocratic corporations decide to raise prices at the same time and governments fail to tax them, the system reacts by raising interest rates and fucking the same people over whom it previously forced into debt.
Grandma is just not as fucked, she's not being stolen from as much, she only has to contend with inflation. The economy is still mostly growing. It's just that the few people at the top decided that workers getting a bigger slice of the pie after COVID was not how it's going to be and fucked up the economy.
If you want to know who made it so that you can barely afford to live, don't look at Grandma, look at the owners of megacorps who buy these articles that make you blame Grandma or people with different skin colors, or men or women or anyone but the few hundred people who actually run the system.