It is possible that the root cause is an individual person being bad. This hasn't been as common recently because people were told not to be villains and to dislike villains, so root causes of the remaining problems were often found buried in the machinery of complex social systems.
However if we stop teaching people that villains are bad and they shouldn't be villains, we'll end up with a whole lot more problems of the "yeah that guy is just bad" variety.
>A customer actually has no competitor to move to - crunchyroll has a defacto monopoly (barring piracy).
When fansubs were good, Crunchyroll was forced to compete with them on quality. It's hard to convince people to pay when the alternative is both free and much higher quality.
Now that they've driven fansubs groups "out of business", they no longer face the same degree of competitive pressure to deliver a quality product.
I know a lot of Gen Z and even Millennial adults who are still living at home well after finishing school. I'm sure plenty of them would love to get out of their parents' homes but can't afford current rents, but might be able to afford an SRO.
In general I don't think many homeless people are going straight from the street to their own market rate unit. However some of them might be able to move into a sibling's spare bedroom after their adult nephew moves out.