How about employment stability? Used to be more common that you'd work at the same job your whole career, be rewarded for your dedication and seniority. Now they don't give out promotions or raises, and lay you off at the first sign of trouble. Is it safe to buy a home if BigCo will lay you off in a year through no fault of your own?

With so many things tied to employment (health insurance especially), no wonder that people are worried about their futures.

I think things like "access to electricity" cause much less anxiety than the threat of instability. A lot of people are just a few missed paychecks away from literally losing their home (whether that is a house or an apartment).