Hair Thinning Very Quickly - Telogen Effluvium or Male Pattern Baldness

Hello everyone.

I am a 31 year old male who went from normal to the picture I attached to this post in a matter of six months. It all happened so suddenly and I began to notice streaks or patches of extreme thinning in random places. I have been on Rogaine twice a day since June and it seems to be getting worse each month.

Is this Telogen Effluvium due to pandemic stress or Male Pattern Baldness?

Thanks for your input in advance.