There are a lot of inherent assumptions in your rebuttal.

>Rent- get a roommate or rent a room instead of a one bedroom flat. Rent is reduced from $1400.

While that is an option, it is not reasonable to make that assertion for the millions of people struggling without adequate housing. How can you tell people, with a straight face, that have been sexually assaulted, robbed, or battered by previous roommates that they should continue to put themselves at risk because they can't afford the market rate for a 1br apartment? Many people that are housing insecure face discrimination in their searches as well. Landlords have countless incentives and ways to refuse renting to people who they perceive as poor. Credit checks, wage statements, large cash deposits. Then there's everything they can learn during a showing. How do they dress, are they wearing Wal-Mart clothes or Patagonia? Did they bring their same sex partner? Are they BIPOC? Do they have a nice car or no car? Is everything they own in their car? I think that I've said enough to make this point but I can continue if you want.

>Use a prepaid phone plan to reduce from $100.

Phones are still several hundred dollars, and are effectively disposable items. In conversations about poor people we cannot assume they can afford to put up several hundred dollars for a used phone. $100 might be on the high end, but I am thinking more about the amortized all-in costs of phones. Stuff like cases, chargers, screen protectors, that often get sold to people at stores under high pressure sales tactics. We also need to consider access. If someone just broke their phone and need a new one ASAP or they'll lose their job they are at the mercy of what's available to them at that moment. They may not be able to shop around or know how to do a price comparison between providers. They may get coerced into signing expensive multi year contracts by dishonest sales reps of which the total cost is not apparent for weeks.

>Use a slower speed or share internet to reduce from $100.

That's not always an option. For years, the cheapest non-dsl, option available to me was cable internet, for over $100/mo without a contact. For people with housing insecurity signing multi year contracts is scary because they have no reason to believe they will live in the same place for that long.

>Motorcycle or cheaper car to reduce from $530.

Motorcycles are not a rational option for virtually everyone. They're unsafe, and at greater risk of being stolen in the areas poor people are congregated. I'm not saying the car payment is $400, but ones either paying more upfront for a reliable vehicle or on the back end in repairs. If one gets burned enough by scam repair shops and used car sales people they'll inevitably look to cars with manufacturer warranties. Poor areas have more sketchy repair shops and high pressure used car sales lots that straddle people with high interest car payments, even if they qualify for great rates.

>These aren’t impossible problems and are things that are really common to deal with. I worked with people in Manhattan who slept three to a bed. That obviously sucks but assuming that every single person should have a one bedroom flat with their own car and luxury internet and phone is not as good an assumption that people will adjust their spending.

I think you're making wide assumptions that are not reflective of the reality poor people face. It is callous to assume that poor people have the same ability and education to know how to navigate things like loans, auto repair, comparison shopping, house hunting, etc while they're possibly homeless and probably working in excess of 40 hour weeks barely scraping by. This is my lived experience, I've seen too many families that do everything right get absolutely crushed into homelessness because the company the worked for blew up, they got scammed, or were disabled by a workplace accident. These conversations are overly reductive when we cannot focus on the specific contexts under which people fall out of 'normal' society into homelessness or near homelessness. Without this context we cannot have reasoned discussions about the factors that lead to homelessness and prevent people from escaping.