True. Sin is expensive.
Unfortunately, this "a man must have his own place" ideology has crept over into the Christian world (along with the equally demonic "don't get married til you're 30" mantra, which is also rooted in the forniculture). Many Christian women refuse to consider dating a man living with his folks; they'd rather date the guy who blows all his money on a fancy apartment and a "cool" car. Then they wonder why the guy has no money saved up for having a family!!!
In cheaper parts of the country, it's not such an either-or choice, but in California, that's often how it works. You can be frugal, or "cool", but not both.