Who has the unspent money? I want to know why we don't talk about the money that people have saved because they are not going to restaurants, barbershops, flying, traveling, etc.  I have heard the restaurant business is in the billions for revenue.  Wouldn't that mean that the ones that don't go the restaurant during the pandemic have that money?  So does that mean the banks have the money?  Just wondering.  Thank you.
While people are spending less, they are also earning less, especially the many millions who have lost their jobs. It is very possible that the earnings lost are much greater then the money saved on reduced spending, and so net savings will decrease. It will take time before we really know either way.

Here is a study which looks at the increase in savings at the start of the so-called Great Recession (2007-2008):


  As the crisis began, households cut spending and the saving rate shot
  up to about six percent within a year. During recessions or other
  periods of economic weakness, when any engine of growth is needed, an
  increase in the household saving rate could slow the pace of recovery
  because, by definition, when a household saves more it consumes less.


Increased savings could potentially be good for growth in the long run if it allows for greater investment in the near future, and of course saving is good from the perspective of individual households that are able to save. But for the overall good of the economy as a whole, we need spending right now much more than we need savings.