That "huge gap" is probably 3-10 years.
A relatively tiny percent of mortgages not getting paid in 2007 & 2008 caused a global financial crisis. If even just 10% of current office workers lose their jobs and quit paying their mortgages, their car loans, their car insurance, etc things will go bad fast. And realistically, it's going to be more like 80% of office jobs gone in the next 10 years.