A weird thing about this is that I think I've had more sex, and met more new partners, in periods when I was unemployed or underemployed. When I've been
really poor I've been depressed, which cuts my chances of meeting a new partner to about zero. But when I've been extremely employed I think I haven't had the time or emotional bandwidth for intimate relationships. Or travel: travelers get an automatic +4 bonus to sexiness, but it's really hard to travel when you have a job.
Even when my apartment has looked like something out of Hoarders I think it's cost me, at most, one nascent sexual relationship, and I think that was actually because she didn't enjoy our sex, not because of the apartment. (I'll probably never know.) By the time a new lover has decided to come home with me, they generally already have a strong interest in making love with me. So I think worrying about whether your apartment is nice enough might be analogous to worrying about whether your penis is big enough: it's a factor, but it usually comes into play too late to make a big difference, and in only a small minority of cases is it so bad as to actually matter.
As for financial independence, here in Buenos Aires you can always go to a telo. If you do that twice a month you are spending, say, $10000 a month (US$26) which is not an insignificant expenditure but is tiny compared to renting your own apartment. Other Latin American countries call them "motels", and in Japan they're "rabu hoteru".
Nice shirt? You can get an all-cotton button-down dress shirt for like US$40 if women won't look twice at you because you're wearing a T-shirt. This is not a significant issue for Japanese hikikomori. Also, though, the vast majority of women aren't that picky, if you're attractive in other ways.
Bad economy? Japan and Switzerland have much better economies than Brazil, Nigeria, and Haiti, but the better economies aren't the ones where people are more easily finding sex partners.
I do agree that location is important, though. Burning Man is not the same as Cairo at all.
I'm male, for what it's worth; 46 years old; and so far all my partners have been women. I think I'm way out on the right tail of the distribution when it comes to a variety of traits, including ⓐ height, ⓑ tendency to initiate conversations with strangers, ⓒ willingness to touch and be touched by new people, and ⓓ interest in and enjoyment of sex. So my experience is probably not typical.