I've told this story before but it applies here.
I have a 78 year old brother who has lived the past 25 years in a tiny camper parked inside of a barn, which he doesnt own. There's running water and electric but that's it, no hot water, no shower or laundry, heats with his stove, his septic runs out a pipe onto the ground. Another time in his life he lived in a single room shed behind a bar. He will blame you, me and the world for his misfortune but in truth it's all on him. I tried many times over the years to help him but he would never put any effort into what was needed.
When I read stories like the one posted I'm always a bit skeptical. The guy's an electrician and the story was based on those with full time employment. So $450 a month is all he can afford? What are his weekly wages? Spending habits? Other bills? Lifestyle habits? Does he work a 40 hour week? Extra hours? A second job? Looked for a roommate to share expenses? Considered any public assistance programs? Low income housing? Considered relocating?
My point is yes life can be hard, expensive, and full of unexpected set backs, but many, many times, like my brother, you reep what you sow.