What does america losing it's triple aaa credit rating mean to people/you/us when most people can not afford to live paycheck to paycheck when gas prices spike?

I can only give an english answer. These sort of things don't seem to directly affect ordinary people. When the UK had to devalue the pound in the 1960s the labour Prime Minister at the time,Harold Wilson famously said "it wont affect the pound  in your wallet or purse"
It does filter down to us peasants in time. That credit agency was wrong really as their main purpose is to report on the chances of a government failing to pay their debts. We all know the US would never default,no more than Britain would.

Inflation is most likely to rise as stock investments and consumer spending is cut back.  This in turn will mean the increased risk premiums on US Treasuries, which means the cost of borrowing goes up, since every other interest rate is anchored against the UST rate.