Nobody can get it right. A family member worked for Habitat, where the houses were built for the “poor” and mortgages were tailored to their incomes, only a few hundred dollars a month...and most of them didn’t bother to pay, or paid seriously late.
They also couldn’t do things like tighten a screw to hold in a doorknob (in their own house, not a rental or public housing) and wouldn’t go to the free Home Depot “first homeowner” classes, tailored specifically to people who’d never been responsible for their own repairs before.
So what can you do. Barr was right, we’ve lost our religion, and with it, our sense of personal responsibility.
I volunteered to perform post-construction Inspections for 2 local Habitat chapters a few years ago. The new owners would bitch about colors of paint and flooring, that appliances weren’t upgraded, etc..... and a large part of those materials were donated or provided at cost. After about 6 months of dealing with ingrates it just wasn’t worth it any more.