How different is that from, struggle to build a shelter out of rocks or nasty weather comes and kills you? There are no good things in this universe without some struggle and pain. Sure, maybe in the current decade it's not as easy as it could be, but what do you really expect out of life?
What I'm hearing from you is you want someone else to do the work of providing shelter for you without you being required to compensate them. Am I right? If not then maybe you need to do a better job of explaining. Nothing in this universe is free. I know that can be stressful and depressing and I'm sorry you are feeling it strongly right now, but acceptance is one of the first steps to moving forward