The barrier to entry is prohibitive. So many people are living paycheck to paycheck, a down payment on a home within walking/cycling distance of their workplace is a pipedream.
Even if they could, with how large cities are, it's unlikely it'll be close to where they work.
The solution is always mass transit: even a simple bus, as long as it's comfortable, reasonably fast and timely will do wonders. Trains and subway, even better.
American restaurants are so fucked up it's unbelievable.
In Europe, restaurants are mandated by law to show final price on menus - including all taxes. Zero math: if I order a €9 plate, that's exactly what I'm expected to pay, period. I might let them keep the change from a €10 note if they were particularly friendly or the food was better than expected.
Edit: that "large parties fee" is particularly stupid. If I'm making reservations for a larger group, I'll probably discuss a menu with them ahead of time. This way they get to prepare ahead of time, and I get a cheaper price.
Also why not go in as 4 + 3 instead of 7, and avoid the fee altogether?
Slack and Teams are tiny, I think, when compared to other cloud services - my company could easily migrate from slack to something else (some pain involved, but very doable). Even a sudden disconnect, there's still email and other tools to get everything on the same page.
Migrating our products and data from Azure, if that got cut out of the blue? We'd probably be out of business before that was achieved.