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> Unaffordable means you cannot pay. It doesn’t mean it’s hard to get by.

That statement does not make sense in the case of housing. For most people, housing is their top priority. Not only is shelter a necessity in the survivalist sense, but there are cascading consequences for those who don't have housing. This ranges from it being extraordinarily difficult to secure and maintain employment to driving up the cost for other necessities such as food and clothing.

Put in other terms: if you have the choice between food and housing, your money goes towards housing. Technically speaking, food is more important since it is literally impossible to survive without it. Realistically speaking, food is still available from other sources (e.g. food banks). While there is a loss of dignity, there are fewer cascading consequences.

Even if a person can pay for their housing, I would argue that the word unaffordable still applies when they have to accept handouts for other necessities. I would also go a step further and suggest the unaffordable label applies when it impacts any socially imposed expense that will contribute to a downwards spiral that can lead to homelessness.



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