ZD: “Unless you are a doctor, who can afford to live in Brooklyn working 3 hours a day, 18 hours a week, the rents are astronomical”
You missed the other half: Don’t forget that the standard of livelihood required is bare minimum. “Kach hi darkah shel torah – pas b’melach tochal etc.” — Bread salt and water – if you have that, you have parnasah.
Nowhere does it say a big apartment.