Where do you live? You are implicitly assuming a rented property. Where I live you can buy a flat. however, even assuming rented, its not that bad, atleast here in the UK.

> our landlord has a key to your home and can lock you out at any time

Illegal to do without notice and permission. You can change the locks as long as you change them back or pay for cost of doing so when you leave.

> I wouldn't run a business out of my apartment such that I would lose all of my equipment if I got evicted.

Eviction requires a legal process that takes months.

> I wouldn't run an important business that depends on their platforms.

That implies no one should develop software for Apple, MS or Google platforms.

I wouldn't develop software for apple, MS or Google if I had the option. If I did, i would intend to diversify when it's practical to do so.

The only platform you list I would build for is MS' Win32, which they can't afford to deprecate and can be somewhat emulated with WINE.