Debt for consumption is bad...absolutely 100%! 

Usually, CPS funds are for "resettlement and stabilization" of a family, so perhaps a family moving away from an abusive adult, resettling after the parent completed an alcohol or drug program, or moving the family to somewhere where they have family supports (grandparents, healthcare, etc.).

Your sample is only 1 person in one city.Sample a few thousand, and in places like Detroit, Cleveland, and Newark, etc...and that might change the outcome a bit.But like any other renter, there is also the 'Luck of the Draw", they look good now, they look good in the past, but job loss, or alcoholism, or drugs leads to their downfall.Just my 2 cents.

In the article I found varying opinions about a Tiny House’s energy consumption.

I do not know how we can find out the kWh:Minimal service—the quantity of shared service recorded on the shared meter is estimated to be less than 10 percent of the total monthly consumption recorded on the meter over the last year, or 75 kilowatt hours (kWh) of electricity per month or five therms of gas per month, whichever is greater.  

I also thought about looking into the future, meaning where will we be in 30 years on our consumption of oil & other energy sources.

There seems to a program in which they provide airfare for people who need help with alcohol and drug addiction.

We called the Chicago Water Department, and they informed us that meter-less properties are billed by estimating water consumption based on certain property parameters established by the county and the Municipal Code of Chicago, and that the only solution to reduce our water billing is to install a water meter.

Under these regs amounts paid or incurred for materials and supplies after 1/1/14 are deductible when purchased if the materials and supplies are incidental, and deductible when used or consumed if non-incidental.Incidental materials and supplies are those that are carried on hand and which no record of physical consumption is kept, no beginning or ending inventories taken.For purposes of 1.162-3, materials and supplies are defined as tangible property used or consumed in the taxpayer's operations that is not inventory and that is/are:1) spare parts2) fuel, lubricants, water, etc., expected to be consumed in 12 months or less3) a unit of property having an economic useful life less than 12 months4) acquisition/production costs less than $2005) various other typesTake advantage of all the methods for immediate deduction without the need for cost segs.

While this figure will rise as additional deals signed near the end of the quarter are discovered, leasing activity has cooled noticeably over the past year, with trailing four-quarter leasing activity falling to 241 million SF, its lowest level since 2020 and nearly 20% below the average recorded during the five-year period preceding the pandemic (2015-2019).Other factors contributing to the pullback in leasing activity include a more-challenging operating environment, a lack of available labor, and a rise in uncertainty surrounding the outlook for consumption.