Finland, for example. "Home", of course means a simple flat in a housing block and there might be a waiting list, but housing every single one of its people regardless of employment has been something that the state has sought for a long time.
Where do you live? Most people I know are literally given homes to live in by the government. Admittedly I'm a working class guy in the UK and I'm not that familiar with the US welfare system so perhaps its quite different there. But for example, my girlfriend's mum has never worked a day in her life but lives in a £600,000 5 bed house. When she went to the job centre last year she was advised not to take part time work because she'd lose out on the benefits.
If these people were starving or homeless, don't you think they would get a job? Today we have a generation of people who have parents rich enough to let them live in their homes rent-free without demanding they get a job while the government is there for you if you decide not to. Is it any surprise some people decide a 9-5 isn't for them?
To your point though, I do accept it's harder to own your own home, but it's certainly not harder to live without a job today. At least not here in the UK.
It is the exact opposite of what you are claiming. Affordability of essentials has become so much worse that many people can't afford to live a decent life with their own home even if they are working the jobs that they can actually acquire.
These people aren't privileged because they "choose not to work and have everything paid for them by people who work like me", it is generally emotionally devastating to be stuck living with your family while your youth evaporates. Further, the money to do this is coming from the family (for those lucky enough to have a family wealthy enough). You're not paying for it with your taxes.