America fails its lower-income citizens by pretending they don't (or shouldn't) exist when making zoning and building codes and such.
Mandate that housing needs to have individual bathrooms and kitchens for each unit, mandate that each unit needs a parking space or two, mandate a thousand other useless minutiae under the guise of safety or accessibility that don't actually matter but drive up costs, and then act surprised that only "luxury" housing gets built.
College students can happily and healthily live in dorms on campus, and yet we treat it as unthinkable that someone working at McDonalds lives in similar conditions. And so we don't build the infrastructure and the McDonalds worker ends up with a far worse outcome, but at least it's out of sight and out of mind that they're sleeping on a couch or staying in an overcrowded illegally-sublet apartment.