I don't mean to be difficult, but I don't get it. If I have less money because of a recession the time and expense of commuting could be put to better use: shopping cooking cleaning and taking care of family my self. If I now live in a home and can no longer afford it it makes more sense move to a location with the same or lower cost of living compared to moveing close to a city with a higher cost of living plus the time and expense of a commute. If I didn't have some other pressing need having less money would not motivate me to run to an office.