For example, Ray. Would you rent to me? Great credit. Excellent references. Pay on time and usually BEFORE rent is due. Improvement of property with my own sweat and usually my own money when I have it to spare. But..I can't pay more than 600 bucks per month due to SS budget. And you can rent your place for 1500 per month. Who would you choose? The people who will pay 1500 per month, thats who. So I wind up on the street under an overpass.