I have no place to live in San Francisco. So do about 7 billion other people. Somehow they get along, by having a place to live on the rest of the planet. So if I won't be able to afford place in San Francisco - which is, unfortunately, my current situation, unfortunately not because I want to live there but because I want to have income so high I could throw out almost $4K for just one bedroom - I would live in a cheaper place. Which is, fortunately, called "the rest of the planet Earth" and is quite large.