I think "stems from" is complicated in this instance by how much changed and how fast. Systems can take only so much change in a set period of time, and we've had a hell of a lot of change in under 2 years.
Populations movements (COVID), combined with personal spending habit changes (things over experiences), combined with who spends money (office -> work from home contributed to the toilet paper shortages), combined with labour market changes, combined with immigration changes (hospitality in Sydney is weird without foreign students and backpackers), combined with a lack of slack in the system (JIT etc), combined with probably hundreds of small law changes played a part in what is happening. That all these happened at once only makes it all the worse.
Populations movements (COVID), combined with personal spending habit changes (things over experiences), combined with who spends money (office -> work from home contributed to the toilet paper shortages), combined with labour market changes, combined with immigration changes (hospitality in Sydney is weird without foreign students and backpackers), combined with a lack of slack in the system (JIT etc), combined with probably hundreds of small law changes played a part in what is happening. That all these happened at once only makes it all the worse.