I would far rather have a home that has 'risky banister railings' if that meant I could actually afford it.
Mental health is as important as physical health, if not moreso - what's worse, risk of eviction, or having to pay attention near the stairwell? I get that this is an isolated example, but I'd take worse insulation, no solar, worse security, everything, if it meant I could get a home and slowly improve it myself with time.
If that means I have to live rurally - so be it - but as far as I can tell that means living outside of the country I was born in (UK), which is quite sad.