My wife has an old gym membership for 24 hour fitness. She pays $120/year. Never uses it. Figures it's good "whoops, you're homeless" insurance - it's a place you can get dressed and take a shower.
They emailed me a few times telling me I had to continue paying until the end of the membership, then called for a few months (never picked up), and now it's all gone.
Maybe my credit suffered, I have no idea, but I couldn't care less. I do not want to be a slave to this "credit score".
Figured we could just live in the office and shower at the gym. Actually think I could have pulled it off but I'd probably die alone.
Basically by being employed by the gym and living in an RV he had no recurring expenses expect car insurance.
The cops started to ticket people on El Camino too, but I think they stopped doing that during the lockdown.