My life is comfortable and my work is fulfilling in itself. I'm not working _just_ to pay that. Trust me, I don't want to not have to work at all. I am a scientist though so of course for many it is nothing like that; I am in a very privileged position.
I understand that the relationship between landlord and tenant is inherently predatory, I just don't see how exactly this is related to whether or not I can afford it. I think it's predatory whether I can afford it or not, but since you don't seem satisfied by me saying that I assume you only think it's predatory in cases where it cannot be afforded, which honestly is morally deplorable of you.
A) people need undisturbed shelter and a feeling of continuity to feel psychologically safe enough to commit to meaningful life
B) undisturbed shelter is a privilege that comes at a premium
C) we do not allow people to construct their own undisturbed shelter unless they pay various kinds of premiums
A + B + C => van life