The girl spending £100 at Next for a saturday night out, is also the girl who will discuss with her mates at the pub / club the weekend away in October in some part of Europe
Just because the pubs are shut, that hasn't stopped converstations. Zoom isn't only being used to do away with the need for business travel
There is the "we need a holiday after all this" factor as well. Also, being reported that last month saw the largest reduction in credit card debt for years - if your not spending £100 in Next for a Saturday night...