Yeah, but housing is the 2nd most important thing, right after food! Also the ability to give your kids a good education, which is also very dubious in SF (public schools not great, everyone with $ sends their kids to private school). And even arguably healthy food is expensive; the cheap stuff makes you fat & gives you diabetes (maybe).

That is why I get a little annoyed when people say many things like Car, phones etc are way more accessible.

I dont need a Car, nor a Smartphone nor any of the example they gave. I need Food, Water, and Clothes. Three most important things. Then I need Shelter. First three is solved, the latter happens to be the root of all evil.