[blindhippo]

I'd argue it's not as hard as you seem to insinuate.

If a person wants to be able to live in their own accommodation there are some very key things they require. One of the most basic is a bank account (how do you pay rent without that?). Work backwards from just that one basic concept and you'll quickly see how easy it is to figure out what "basic necessities" are.

Granted, these will vary between economic regions, but it's quite simple to do so.