No offense, but McDonald's is not a good example for your scenario.

if you're out getting a coffee and a bagel as a 30 or 40 year old[...]

I do, and I am! And if I want a decent bagel and cup of coffee, McDonald's will literally be the very last place I consider. (Well, most days it's a breakfast burrito, but the point stands) McDonald's is one of the greatest examples of enshittification because they pay their employees shit, they're as expensive as a nearby restaurant where they prepare your meal from scratch by a chef, and the quality is terrible.