I suspect that quite a few people used the stimulus, the rent forbearance, and the student loan repayment pause to spend money on things they couldn't otherwise have afforded. Unfortunately in some cases they used debt to do it.

But now that money is running out, and gas/food/rent got more expensive, and I bet some people who bought new cars they couldn't really afford are not making their payments on time.

However I also would bet that a decent portion of the people in that situation are not on a low income, but are just people who overspent on their car. I've seen people with six-figure salaries get too deep into car payments before. It's a really common problem.