People in economic distress aren't looking to achieve high levels of comfort in their daily lives. They are looking for basic security and simple accommodations. A bed a bath, a place to call home and a way to get to work. There needs to be financially viable housing practices which can both be profitable and serve a broad base of good people who don't need 2-car garages, 3 bedrooms, porches and big yards but only a way to facilitate an affordable life of basics. In my own town a complex of studio only apartments would be full all of the time but the developers only build mansions.