The real consumer story isn't the (https://www.cnbc.com/2026/05/12/new-york-fed-credit-card-debt-stands-at-1point25-trillion.html) — it's the K-shaped pattern buried underneath it. Bottom-tier consumers are tapped out. Top-tier consumers keep spending. And the casualties aren't luxury or deep value — they're the aspirational middle: premium fast casual, casual dining, accessible athleisure. That's precisely the $SBUX, $CMG, $DRI zip code.

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