Brexit has already ruined lives of Fishermen, Farmers and Muscicians. It will slowly build up steam - Covid has depressed travel and commerce but as we move out from under its shadow Brexit realities will become more real.
Irrespective of whether you think it's a good deal or bad - not honouring a deal we negotiated just shows us as untrustworthy. What do you do in a situation where you think someone will renege on a deal - you ask for more upfront.
I am in agreement with you.
However personally nothing has affected me as yet