I’m a recent divorcee who was unhoused for the past few months but sheltered in very cheap hotels in San Francisco before recently signing a lease to continue l

I’m a recent divorcee who was unhoused for the past few months but sheltered in very cheap hotels in San Francisco before recently signing a lease to continue living in an SRO on a month to month basis. The divorce was a shock to the finances but not a big one. I make over $100k and am just now zeroing out my debt, much of which was education related. The reason I haven’t signed a serious lease for a proper apartment in the city is because I look at apartment prices and just can’t bring myself to pay $2300+ for a place for myself. Studios below that price or living out of the city do not appeal to me, nor does living with roommates after a few recent experiences with that. I don’t do drugs or have any mental health issues. I think there are others like me in the city - willing to accept Spartan accommodations rather than throw thousands of dollars to live in slightly better conditions - but I have not yet met any. I feel like I am basically gentrifying the lowest level of housing before homelessness. My finances are healthy and I am saving at a decent clip which is similar to a huge raise in salary. I get that SF is one of the most expensive cities in the world, but when I look at other housing markets, I’ve noticed that rents are more similar to SF than in the past. Millennials are pretty strained financially right now, Gen Z even more so. Minor shocks that would have been inconsequential for previous generations have become embiggened.