It's irrelevant if you live in a dorm or your parent's house - you just pass on the cost to whomever is the responsible party. And you finish with a rather bizarre statement about markets where the seller loses. There are markets where a large number of sellers compete for a shrinking amount of market share with an undifferentiated product. But it's irrational for someone to sell something at a loss in the medium to long term, overall (unless they are a monopolist).