Thing is, we are talking about housing here. A basic necessity for everyone. I can live without a car, I can live without that expensive new_shiny_toy_of_the_month but housing is something that's vital, it has the ability to impact so many aspects of my life.
So the whole debate here, as far as I understand is, how ethical is all this. Is it ethical to squeeze every last cent out of a person looking to house themselves and their family?