Define "livable". A suburban detached home is far more expensive than a single-room-occupancy hotel room. And yet people lived in the latter for a large portion of US history, often with roommates. Some still do.
It would be great if everyone could be wealthy enough to buy all their necessities and never worry about money, but that's a pipe dream.
Well, you are certainly living up to your handle here… do feel free to explain your plan for how nobody ever needs to worry about money ever again. And how everyone gets a studio apartment at least.