again. you can tell me you think there are “many many many” but in reality, unless you provide some proof there are “a few”.
federal housing can take time. Many states have their own programs.
Lots of things look easy on paper and are not at all like that in real life. I know, and have known, people going through this process. You are responding like a leftist, who reads that no one goes hungry in a socialist system and refuses to believe otherwise because it would mess up his wordview.