What kind of deceit have Muslims fallen into, which were warned by Prophet Muhammad (ﷺ)?

We have fallen under the warnings of Prophet Muhammad (ﷺ) of times he said would come. “Certainly there will be among my followers those who make the allowance the fornication and adultery, the wearing of silk, the drinking of alcohol and musical instruments.” [1]

In another narration Abu Malik Al-Ash'ari says that Prophet Muhammad (ﷺ) said that “Some people in my Ummah will drink alcohol naming /giving it another name” [2], “Musical Instruments will be played over their heads and singing of woman will entertain them.” [3]

This is the time we are living in, where Riba is justified by the other names such as student loan etc

References:

[1] Bukhari in al-Saheeh mu’allaqan, 51/10. Reported mawsoolan by al-Bayhaqi in al-Sunan al-Kubra, 3/272; al-Tabaraani in al-Mu’jam al-Kabeer, 3/319; and Ibn Hibbaan in al-Saheeh (8/265-266)

[2] Muslim, 3/1587

[3] Tirmidhi: 2212