In fact the example of moving back in with one's parents is rather instructive in that middle class young people essentially already have a half-assed privatized version of this reality: their social safety net is their parents and other relatives. Decommodifying healthcare, housing, and food would have essentially extend the same kind of safety net to people who aren't lucky enough to have well-off relatives who can help them in such times.

At the very least, we should decommodify healthcare. One can make theoretical arguments that doing so for housing and food would have huge, negative knock-on effects because the last major experiment with this model were the Soviet-modeled socialist states, which obviously were a disaster. That isn't the case with healthcare. Plenty of other countries have decommodified healthcare, and nothing bad happened: nobody is meaningfully disinclined to work, health outcomes are generally better, and overall healthcare costs are generally lower.