A bank manager gets up, uses his house replicator to make breakfast, then drives to work. he notices that things are wrong, such as damage to the statues on the facade of the bank building. Turns out, the bank is, like society, no longer working - a group of youths are in the bank, and only the janitor is willing to protect him, as long as he opens the vault. Turns out, civilization has collapsed because of replicators - no one works or trades anything except replicated replicators. The banker has a heart attack and dies before he opens the vault, so the janitor feeds his corpse into a replicator and gets a brand new manager, whom he drives home to start the day again. Two lovers among the youths hold each other and drop into a replicator so they can start their life over again, at exactly the same point as the morning since the new bodies are based on a template recorded that morning.
Author and name of story? I keep thinking Disch.