[brianl047]

A lot of people will never make enough money.

Therefore the only way to make housing affordable for everyone in the long run is to guarantee housing. That means social housing or rent-geared-to-income housing in combination with cooperative housing and market housing.

No one solution will fix the problem. For example for the mental health problem if you give an apartment to someone really far gone they will just destroy the apartment and walk outside to live on the street. You need supports for them maybe communal living. So the right type of housing matters for each person. For someone who will never make enough money, the housing has to be free.