And then that's just talking about the structure. What about the location - if a person's entire support system is in one location but the available free housing is 75 miles away and they don't have a car, that isn't decent. This comes up all the time re the affordability of the Bay Area where locals get priced out, someone says "just move to stockton" and the resident feels it's not fair (or "decent") to have to leave where they were born and raised.
You could link location to workplace I suppose but then that would create massive downward pressure on wages since people would be willing to sacrifice pay in order to live where they prefer. This sounds like a net negative.
This question is only hard if you haven't thought about it for more than like 2 seconds.