I know that the government employees will be paid for their work during the shutdown after it has ended. However in the meantime they have to live on savings or on borrowed money.

Where I live (not the US) this would certainly be a huge problem for many of the employees, for they might not have the savings. On the other hand I know that the "personal finance management" in the US is much more debt-based, which could mean that there actually isn't a debate about people running out of money and they just continue using their creditcards like usual.

I am wondering if or if not people are becoming nervous and if there will be real problems for a significant amount of people because of this in the near future.