When I was a teenager, after my dad walked out, I was homeless and we did live in a hotel for a month while my mother looked for a job. I am not "elite" or "socially privileged" beyond being raised to trust God and to value hard work. Ultimately, we moved states away from "home" because that is where she could find a job. We knew no one in the city and she took a minimum wage job dubbing tapes for a Christian ministries in spite of the fact she had a college degree and was at least halfway through earning her master's degree. I think almost all our money went toward having a safe apartment in a good school district. I know my mom had 3 dresses that she alternated through for work and we shared those dressed on Sunday (she always gave me first choice). I believe you have said that you don't want to work full-time. Well, living independent usually requires hard work, making hard choices, and being willing to make sacrifices until you do work your way up in the world. That is the same for single people and married couples. Nobody starts off "comfortable" or in the same level of housing as their parents currently live. My mother had to start over multiple times in life and ultimately, she is now reasonably comfortable and owns her own 3 bedroom condo in a good neighborhood in a major city. She also finished that Master's degree and spent most of her life teaching special ed & visually impaired children & adults...her passion. No one gave her a free ride. I don't really believe the rest of us are as "privileged" or as "elite" as you believe...most of us aren't as clueless as you believe either. You are making choices...you are not willing to work long hours doing menial labor to make the money you need to live independently and you are not willing to move away from "home". Your life is the result of your choices. There is nothing wrong with your choices...but like most people, you have to make them and live with the consequences that go with those choices. Most people who are successful did start at the bottom and work themselves up. Most of us are not given our first homes or start in jobs that make living solo possible...or if they do, they live in small, cramped quarters that aren't in the nicest parts of towns.... From what I have read, the housing & employment situation in Auckland is not really that much different than in any major metropolitan city in the US. Nobody says it is easy....but that is a lot what makes it worth it.
I believe there are probably still worldwide mission options where you can serve God and not pay rent by traveling to some underprivileged area in the world and serving local residents...but that requires moving and being willing to give up both safety and a comfortable lifestyle.