In the UK, we had a maintenance book where you could report things that were broken (even things as trivial as a light bulb - you were told _not_ to replace them on your own), porters who you could give you a spare key if you lost yours and were responsible for external security, catered meals three times a day that were cheap enough that cooking for yourself was fairly pointless from a financial standpoint unless it was something very basic, subsidised rents (which also covered utilities), and an onsite bar. It wasn't exactly a step into the real world - you had a _lot_ done for you.

Personally, I wouldn't change it for the world. Student loans covered the expenses (which as you only pay as a small percentage of your wage above a certain amount and are written off after 30 years if you haven't paid them aren't worth worry about too much), and it had both academic and social benefits. Supervisions often started after 18:00 and occasionally ran on til 23:00, and you could have lectures at 9:00 the next morning, which would be a pain with a commute, and you had easier access to resources (libraries, computing facilities).

I threw myself into the social side, having been fairly reclusive during secondary school - I felt much more comfortable doing so living on site, and I got involved in extra curricular activities I wouldn't have done if I had a commute. I had close friends studying law, natural sciences, economics, engineering, medicine, English, anthropology, and music (I studied computer science), and developed a better understanding of and appreciation for these subjects as a result (I remember discussing Roman law somehow becoming a bizarrely frequent subject in first year). I'm still in almost daily contact with the friendship group I formed there, even ten years on. I did a Master's afterwards, and lived at home, and I never felt as connected to either my studies or my peer group.

Still, I certainly wouldn't call anyone who doesn't do that a coward, and think you could get a similar or better experience living off campus at home. It just turned out to be the right step for me[1] - it pushed me enough out of my comfort zone to grow without leaving me feeling lost - and gave me a much better university experience as a result.

[1] And it was effectively required by my university - you have to live within three miles of the city centre, required permission to live outside of college, and you weren't allowed to keep a car within ten miles of the city centre without permission (https://www.proctors.cam.ac.uk/motor-control)

Would you be comfortable having to pay for that experience decades later or past retirement? A lot of people in the US are in that boat, and the debts are non-dischargable.