Expenses are more than people can make when they are working. Again do the math. When I started contracting insurance was less than three percent. By the time I got sick of the resentful assholes and the politics of it all insurance went to almost 30%. Insurance has gotten worse not better. Taxes on our paid for place in 1981 were about $300.00 a year. Taxes on that same place went up to over $3,800.00 a year and the utilities also went up by several hundred percent. Minimum wage back then was $2.70 an hour then $3.25 an hour. Minimum wage is now $7.00. It was at $6.00 an hour when we lived in a city in actually one of the poorest neighborhoods that was in that metro. Got to know the neighbors around us too and they were living then from paycheck to paycheck with credit cards. Some people were working two jobs no children and the banks-loan companies were ripping them off and attorneys wouldn't do crap to help them. We traveled the country as we were semi-retired in 95' and around the whole country we checked on prices, wages, etc. Since then things have only gotten worse all around. Back in 95 we considered moving somewhere and just working for someone else. The wages were slow low due to the fact that many were hire illegal aliens back then for little of nothing. Like I said "do the math".
When Rod was working it was costing more to drive to work (very short drive) and pay very small payments on a place to live in town (cheaper than driving 70 mile everyday) than he was bringing home. No car payments and everything else paid for except for a small payment (it was less than the cheapest rent at even a sleazy lil' shithole), minimum electric and a phone and he could not make enough to cover the expense of having that job even working overtime every week.
Rent everywhere is high because the owners have to pay the taxes and insurance to even own that place to rent. Your cities and county and states are responsible for that. (I have owned a bit of property in my day so I am not clueless on what it takes to just own it and rent it out for others have a roof over their heads too).
Should people live in the streets and work hard to get ahead? Get out and see how many of these poor people are trying to survive before making a judgment call.
I could write you a book on it all Ding but until you actually get down and dirty and see what it is like in those places you will have your own opinions on it all. Most parents do not have skills in the ghettos so they work and work and work to survive and they have very little to pass onto their children in the way of skills. It is a vicious cycle for them and what happens in DC is they throw money out and some smartass comes along with some grand plan and sucks the money up that was supposed to revitalize these poverty stricken areas. I have seen that go down too.