I will say it isn't necessarily bad choices. We lived in a Motel 6 for a couple of months about 16 years ago. No one would rent to us because we had no credit score and no cosigners, and we had both recently started new jobs in a new state -- never had a loan, no credit cards, nothing but our checking and saving accounts. We had changed states, and we weren't prepared as in our previous state it was more common for landlords to check with past landlords rather than look at credit scores. We finally found someone willing to rent to us for a ridiculously huge deposit (6 times the rent). He was nice enough to let us pay half the deposit upfront and then pay the rest in with rent over the next 3 months. If it hadn't been for him, we likely would have never found a place before blowing through our savings and getting stuck in the short term hotel cycle.
We did learn that you had to either take on the risk of debt, so you get a credit score, or be rich to get by in this country.