But the effects of high housing costs ultimately does impact those people. Everyone, from the well-off to the impoverished, will seek housing. Those with more money have more options and when the market gets tight, what otherwise would be middle class accommodations in any other market, are only accessible to the wealthy. Middle class families are living in what would be normally be for working class, working class are living in poor housing, and the poor are pushed out. The homeless person may have been evicted and could not afford a place and subsequently lost their job for reasons relating to their lack of housing. Even if this happens in Oakland, they may set up camp in places that have better services for homeless or larger homeless communities like SF.

They do so because zoning banned boarding houses, which is a variant of the same thesis.