It really depends where you live.
We do *have* some apartments where I live (Galion, Ohio), but it's really not that many relative to the size of the community, and there are always vacancies. 70% of the homes in this county are owner-occupied, and I'm pretty sure all of the apartments fall into the other 30%, because there are no condos in the area that I'm aware of. But I'm also pretty sure most renters, rent actual houses, though I don't have the percentage number for that.
Part of it is that housing was really affordable here until recently. Housing prices never recovered from the "market correction" (circa 2008), until some time after the start of the Ukraine war. (Then housing prices suddenly doubled, in the space of about eighteen months. But that's sufficiently recent, that we haven't yet had a lot of time to accumulate people who can't afford a house because of it.) As recently as 2021, it was possible to buy a two-story house here for around $50k. Under those conditions, a young person who is willing to stick it out living with their parents or on a friend's couch for a year or so, can scrape together a decent down payment, even working for minimum wage. So renters around here tend to either be people who don't want to be home owners because of the burden of maintenance (which is mostly the elderly), or people who are really bad at financial planning (which, admittedly, is fairly common; but some people just don't run in those kinds of circles).
San Francisco is, rather obviously, a completely different situation altogether. Opposite end of the spectrum, pretty much.
> Being poor in any big city kind of sucks.
Well yes. Frankly, living in a big city kind of sucks even if you're not poor. Though it's nice to be within driving distance of one, so you can go there a few times a year, for things like concerts, exotic food options, etc. But yes, it's disproportionately worse if you're poor.
Right, I'm just saying, I can understand why some otherwise reasonably intelligent people might imagine they needed to involve their bank in the process of stopping the billing. Even if they don't have personal experiences with needing to resort to such measures, they've probably heard horror stories.
Computers are useless. They can only give you answers. -- Pablo Picasso