Sometimes I guess it's scary being a young female in a predominately male community.

I look at my own adult life starting 1997 (post college), the fed has embarked on 2 rate cycle increases.

So I guess now I'm fully embracing that as a fairly mature adult who is nowhere near retirement currently.

For example a female who is renting rooms shouldn't be forced to take male roommates.

The tenant , husband and adult son were on the lease, but any time I would be there lots of others appeared to be living there as well .

I cant imagine that your prospect roommate's wont know what your paying and then ask why you want them to pay more.You may also run into issues with the landlord by allowing adult occupants to live in the property that are not on the lease.  

What happened to being an adult and preparing for financial problems?

Most adults don't like being told by other adults how to live their lives, manage their finances, drive their car, raise their kids, etc. 

I ask; When are you looking to move, how many people would live there, do you have any pets, do you meet the criteria of 600 credit score, 3 times income to rent, no felony convictions, and no evictions, and are you willing to pay a $40 application fee for all adults to check that list? 

That would be a hard pass, for me.Set your criteria - all adults 18+ must have credit and background checks done.