“I just think those who don’t pay are often unwilling to make the adjustments necessary to make it work. And if you really can’t pay then move in with a family member or take a room somewhere.”
...this goes hand in hand with who is classified as “poor” in America. They have cell phones, 70 inch TV’s and $300 Air Jordans.
I lived in an apartments with no furnishings for several months while I saved up to get each item little by little. One time I took a part -time job selling used furniture in order to get a good deal. Worked well for me. Bought a Highland Sleeper Sofa for $100. Top of the line. And a fake fireplace mantel etc. for $60.
You can make it work if you just sacrifice and buy right....but it does help if you have some designer experience.