What a nice, sensible group.
Why be frugal? Take a small circle of friends and organize a blackmarket operation. Be alert to those on the edge with some savings who desire commodities that can be taken from the unwary. Be ready to take advantage!
A lucrative endeavor; one may continue to dine out, go to overpriced trashy films [and trashier music galas] and in the bars toast the enterprise and cunning of those who have learned to live above the means of others.

Bottom falls out? Opportunities will abound.