in Russia most people with low-income just can't afford new housing and live with parents or in inherited apartments after their grandparents/parents die
those apartments we not bought, but privatized after Soviet Union collapse, where people get apartments for "free" after approx. 10 years working on a factory or so...
so in new projects, which are sold for money with mortgage rates at 12% annually there's no people that have "nothing to lose", people that have "nothing to lose" are widespread, living in apartments their parents got in Soviet Union
or you're more about data infrastructure?