[baseline-shift]

Yes, there's lots of houses in suburbs with empty bedrooms. If there was an incentive for boomers to rent rooms in their houses like in the 1920s. But that is risky for the boomers.

How about to reduce risk, but reward lucky ownwes, a lot of houses too big for aging boomers, could have incentive payments to sell to HUD to convert into rooming houses, with lockable bedrooms rented separately, and the shared kitchens and bathrooms cleaned by HUD, and quick evictions for any troublesome renters. So more like renting at a YMCA or backpackers' hostel, ideal for the working poor.