Because the houses you could afford may not be in a safe area???
I’ll try that again. Two people look at the same house, both have enough cash to buy it, yet one person has to pay 3 times as much if he wants it, because he’s a doctor, where the other guys is a librarian. Why should the librarian strive to improve her pathetic life to make more money, when it just means that houses for her will cost more, than if she just stays in the porn business?