There are ripple effects. Besides businesses like restaurants that have huge federal employee clientele, for example.
There are fiscal impacts to DC, MD, and VA governments, and if it goes on long enough, those governments will in turn have to reduce services. Some things you may care about, like libraries. But others like subsidized housing, free health services, grants to food banks, etc., tend to hurt lower-income people more. They will feel it sooner than most.