Unfortunately I'm quite sure it's the latter. Even in Canada, in MTL where I live, on public transit it's maybe 5-6% that is masking. For most people the pandemic is simply "over", regardless of what the data says or how overwhelmed hospitals are.
To be clear, hospitals being "overwhelmed", i.e. their capacity, is a function related to personnel. When our state (WA) fired thousands of healthcare workers for not getting an experimental vaccine that few of them needed (natural immunity is a thing, as much as Big Pharma would like to suppress it), our capacity decreased because we lost nurses. It doesn't necessarily mean that _no beds are available_.
