you say that as if the cost of getting a different job was zero, where in fact if there's only one employer around and you have a family or something similar, it's more likely to be in tens of thousands of dollars if you include future medical bills for stress-related illnesses. it's very expensive to be poor and/or out of options.
My understanding is that one of the primary differentiators between serfs and lords was that lords were able to own land.
Since many (most?) people in the US cannot afford the land and other resources necessary to provide for themselves (e.g. via farming or craftsmanship), I'm not sure that it's unfair to draw a parallel between them and serfs.
Many of the people I grew up with in the southwest own their homes (for the sake of this discussion, finance == own). Almost none of my friends in NYC own their homes. I recently moved out of NYC to a new england state and most of the people in my office own their homes.
It's really not that uncommon for people outside of major cities to own their home?