Aotearoa / New Zealand

Like, I’d love to be able to live in a nicely insulated home where the cost won’t exceed 25% of my income.

If this is really your issue, then you're focusing on the wrong people.

Clearly something has to be done when a certain percentage are falling into arrears, but making them homeless is not the right tactic. Thinking they are all just withholding rent while having the ability to pay is a big assumption, and is almost certainly incorrect. There needs to be some discretion exercised and probably taken on a case by case basis. I have no doubt there are some taking the piss, but just painting all of them with the same brush seems wrong to me.