The reason jihadis see us as a "tired culture of Black Friday shoppers and maxed-out credit card holders" is because that's exactly what we are. Liberalism is ultimately nihilistic. It starts with that article of faith of theirs, cultural relativism. When all things are equal, then all things are meaningless.
The West no longer has a central ethos that permeates the culture. Nowadays the mere notion that we should have anything like an ethos, or defining characteristics of any sort, is regarded as bigoted and chauvinistic. In a sense, such a society is already dead.