This might be a better discussion for Theme, but it also seems relevant here.
When you think of the ambient population of Red Sector, what do you think of? What percentage of them are homeless (lacking a 'permanent' residence)? What percentage are sleeping on the street? What percentage of them aren't sleeping on the street, but are sleeping somewhere that doesn't have basic amenities (running water, electricity, heat)? What percentage of them are sleeping in a place that exceeds the capacity it was designed for?
The two major thematic elements that come to mind are; we have been encouraged to think of Red Sector as worse than the most dense present day slums. Places like India and Brazil. We are also told that our characters are more or less the 1% of the population, the upper crust, the most successful individuals who actually have some chance of getting ahead.
I do not think it is too far fetched to imagine streets teeming with people who are simply wandering about because they have nothing else to do, no job, no real purpose other than a hope that someone gives them something to do, or that they come across someone weaker who they can victimize. I imagine people allying with whoever they have to just to make sure that one person is always awake and keeping an eye out for predators. I imagine that every boarded up storefront is concealing people lurking in the shadows, not because they are setting up an ambush, but simply because they have found a few moments of respite from the dangers of being on the street.
I imagine that 40% of the population of Red is either homeless or living in sub-standard conditions. The next 55% is living in overcrowded conditions, but at least they have electricity and running water, maybe heat. The last 5% are those who can afford a place in one of the various housing options available to characters.
As I said, this might be a better conversation for the Theme board. What I am trying to do is to encourage everyone to view housing through the lens of someone in 2105 Withmore. That view is going to be dramatically different than how we as players view temporary housing in 2020.