Well, long story short I don't know where you are located but have you ever heard how a successful person in America is one medical crisis away from bankruptcy?  I'm one of them. I was fully insured, I suffered a catastrophic event that kills over 50% of the people that it happens to, my insurance did not pay all that they should have (many loopholes people don't know about until they have a medical crisis), I was left unable to work, had to sell everything I owned, my car was repossessed, I ended up homeless for a bit (sleeping on couches) finally got my disability pay (which is automatic in my state for brain injury, just takes forever to process) which is a very limited income.  I could live in my own place, but it would be a dump and I would have no money for much of anything else. Or I could live in a beautiful 2 bedroom waterfront condo at the beach for less that I would pay for the dump. (roommate is also a relative so.) So, I make it work and come here to vent about the fat stupidity.  Trust me, there is nothing I would love more than to be back in my own home again.