Sorry these aren't better times.

At least you have a place to live while you tend to your cold. Not everyone has that and the numbers are growing larger all the time.

"Homelessness is about lack of money for the rent, period"

"'I am the executive director of a small nonprofit that operates a drop-in center for homeless people. I have listened to hundreds of people tell me their stories, which all end the same way: “I had no money to pay the rent.'

Julie Lie, Long Beach"

https://www.latimes.com/opinion/story/2019-11-24/homeless-rent-money

"The problem is complex and multifaceted: College tuition and living costs continue to rise; state investment in public higher education has fallen, pushing more costs onto students; and the Pell Grant—the most important source of federal aid for low-income undergrads—has essentially flatlined. An increasing share of college students come from poor families, but the higher-education system, from campus policies to financial aid, is not designed with them in mind. “We have been doing a better job of making sure low-income children feel like college is a place for them,” said Jessica Bartholow, of the Western Poverty Law Center in California. “Maybe so much so that it’s a real shock when they get here and find out that it isn’t.”

 ~ B. Huber

 https://www.thenation.com/article/college-hunger-homelessness/