There are some contraptions at the lower end marinas, true. But, there are some very nice floating houses too, usually away from marinas.
Our friends have a lake house up on Blue Ridge Lake in the North Georgia mountains. Lake houses up there are in general pretty serious. Here is one of the more serious ones I took a picture of when we did a Fall pontoon party barge excursion:

Coexisting with the lake homeowners are the real-life Squidbillies, who have these floating houseboat / barge / dock structure things:




These guys moor in coves / areas that abut to parkland, where there aren't houses. There is a certain amount of friction between the homeowners on the lake, who get taxed pretty heavily, and the Squidbillies, who are living on the lake (at least in Summer), but pay no property taxes. They leave these contraptions there year round. The lake gets lowered to unusability for boating in Winter for water / watershed management, and the Squidbillie shacks just rest on the ground until the lake comes back up.
I'd really like to ask the Squidbillies creators if they somewhat based the show on this phenomenon. I think it quite likely, they are from around here. This lake is <2hrs from my house.