In my country we have some kind of help for this kinda situation. A free tiny house (apartmenwise). But they gave away these after '89 (idk for how long but ended before 2000). Most of the ppl are ded or close to.
yes in an some earlier chapter he did say he got a lot in saving since he saved up for school next semester too so his card automatically pay as long as there are still money in there
How is he paying rent? Was this explained? Lol