I mean this is hard to say. I'm in grad school and I don't really feel that disrupted. Instead of hiding in my office all day I just stay home. Meetings and classes are all over Zoom, which means my advisor actually has more time to talk (WOW!). And I do CS, so all my work is on a computer anyways, where I'm usually remoting into another machine to run my experiments. I can still get takeout. I have more time to cook. The only real disruption is that I'm not going to the climbing gym. On the other hand, my cat is super excited that I'm around more often. And as a millennial, I'm already used to living in existential dread.

I'm just trying to say that it is hard to measure what this disruption means for a lot of people. If I was in a big city, like NYC, I'm sure this would be completely different. I don't think this is an easy topic and in such "Americans" is far too broad of a term to have much meaning.