It's also a problem with the housing system. Discrimination against people who have a rental debt is leveraged as a business practice, and is horribly abused.

It's also a problem with the housing system. Discrimination against people who have a rental debt is leveraged as a business practice, and is horribly abused. There's an unregulated credit bureau where apartment buildings report rental debts to enforce collection. If you have a record in that database, you can't get housing at most residential apartment buildings. This, of course, puts way too much power in the hands of apartment building owners and management companies. They can set ridiculous terms in their leases, inflate prices, and otherwise do as they please. If you disagree, your only option is court. If you can't afford that, your only option is to comply. If you can't afford to comply, you're out of luck. Your next housing is likely to be an extended stay hotel for two or three times a typical rental for much shoddier housing without any kind of rental protection or eviction protection. It's not just people on drugs or with mental health issues who are homeless. Those are the _visible_ homeless. The ones on the street without jobs. Not the person in a cubicle nearby who never tells you about their housing problem out of fear that it will negatively affect their professional prospects.