What I'm hearing from you is you want someone else to do the work of providing shelter for you without you being required to compensate them. Am I right? If not then maybe you need to do a better job of explaining. Nothing in this universe is free. I know that can be stressful and depressing and I'm sorry you are feeling it strongly right now, but acceptance is one of the first steps to moving forward
Nobody in this thread said free or affordable. I'll admit I assumed free when maybe I shouldn't have, but it is a much more precise term than affordable. I you want to talk about affordable I would again point to the way things are in this universe. For some of us building and maintaining a shelter would be easier (more affordable) than for others. It sucks, but it's not because of some human imposed system. I know it's comforting to blame other people, but ultimately it really is just the way this universe works. Getting past the victim mentality is a huge help in life.