[WarOnPrivacy]

> paying 60% of income in rent is unviable. You need to find a different job

I think you mean you need to dedicate career-level resources to locating a job that pays a meaningful amount more than the one you have - then beating out the hundreds of other job applicants while assisting your kids thru 4 hours of evening homework, battling a chronic health condition, performing routine household upkeep and cleaning, spending 8 hours a week trying to turn health insurance into usable appointments and the several other hours of mandatory obligations.

This assumes we are considering the sort of scenarios faced by typically, struggling folks - and we aren't treating challenges as if they exist in isolation.

> a cheaper apartment,

After looking you find an absurdly small number and their condition is substandard at best. The roaches, noise and maladjusted neighbors guarantee you won't get more than 5 hours sleep most nights. Moving into one of them would cost $4k out of pocket after all of the various expenses and deposits are totaled up.

> or move somewhere else.

Folks who have enough $$$$$$.$$ to wholly fund a move to another city probably aren't struggling to the point where they need to move.