> think people in the Bay Area who moved for a job and have no family in the same job market

If they've failed to find a job for long enough that they're about to be homeless, does it really make sense to remain in the most expensive housing market in the country?

I think it's equally out of touch to imply that if you select a random person from across America (the richest country in the world) you will land on someone who is an inch from homelessness, with no close family or community, massive debt, and living in terror of the next layoff. Certainly there are people in that situation, but to imply that it's somehow the median American experience is to caricature the country.

All I said is that "most people" have rungs to fall back on, not "everyone".