In your hypothetical scenario, your disposable income would go down over time because your income stays constant and rent increases every year. Eventually you'll be homeless
Rent prices have gone up 17% since 2021, and average household income have stayed the same.
And people are going homeless! Single-person homelessness up 3% since 2020, and chronic homelessness has gone up 16% since 2020. All per HUD.
We ran out of carrots, but we have this nice stick here.