SNAP benefits are set to wither Nov 1. depending on the state and if they contribute anything to their EBT/Nutrition Assistance, or if they work some plan to cover these funds, the 10-12% of the US population on "food stamps" won't be getting their November allotment. thats one week from today.
there have some regional extreme weather events which qualify for federal disaster declarations to access subsidized loans, but that process has been frozen since day 1.
giant institutions don't shut off like switches. they fall apart over time, especially ones that have been hit with shocks before like the US central government. competent administrators of big programs try to build in a buffer of funding so they aren't subjected to the brinksmanship of washington's partisan games over a few days' symbolic shutdowns.
when they are cut off, though, whatever funds still exist begin to drain away and whatever projects have the most political clout are prioritized to stay open. like ICE and the military.
the first few days people laugh it off and say "I don't even notice, the government prob doesn't matter then lol" which only feeds austerity talking points.
if we make it to day 60, i guarantee you are going to experience it in some way, even though many states will step in to try and soften the blow / shoulder the burden. and many states won't step in to protect their vulnerable populations, so experiences will be very distinct.
i support the federal workers on furlough and think this shutdown has insurrectionary potential, but i am not going to pretend like real people with very limited political power are the ones who will be hurt the most by it.