in Russia most people with low-income just can't afford new housing and live with parents or in inherited apartments after their grandparents/parents die those

in Russia most people with low-income just can't afford new housing and live with parents or in inherited apartments after their grandparents/parents die those apartments we not bought, but privatized after Soviet Union collapse, where people get apartments for "free" after approx. 10 years working on a factory or so... so in new projects, which are sold for money with mortgage rates at 12% annually there's no people that have "nothing to lose", people that have "nothing to lose" are widespread, living in apartments their parents got in Soviet Union