If I am backstopped by a home and food near my family and they are too, I won't be as motivated by riches. The entire reason I even need money is to buy a home and to build retirement funds... anything else is a toy (and in Western countries is probably trivially cheap compared to housing).
What that means is that I have much more freedom to do whatever I want to do. If I want to be a bin man or a doctor or a truck driver or a car salesman... whatever; I have much more autonomy to follow my dreams in a system that does not mean I live paycheck to paycheck doing half of those jobs.
Right now, I don't have a home, and so it is basically irrational (given that I don't want to be nomadic and leave my family behind) for me to take lower paying jobs ever. This is really a stupid situation to be in; it means that capitalism almost decides what I spend my entire life doing without me having that much free choice (choosing to be poor is not a valid choice).