That's just how the world is, you know. Back in prehistoric times, you didn't just happen to find a free shack and live in it - you needed to build it and maintain it. Right now, landlords take care of that for you - for a price.
Try building it in the forest though - it is most likely illegal due to some rentier (or government) already owning it. I think the grandparent has some truth to their words.
Existing outside the dwelling is illegal. Dwellings are owned by the elite rentier class, so you need some money just to exist (unless you are a rentier).
I don't expect to exist for free given all the services the state supplies, such as healthcare, policing, roads etc. I also don't expect someone to own some land forever and derive rent from it as the workers pay taxes to build up infrastructure which augments the land value.