In the main, and on an individual basis I agree with you. But the issue is not deciding what one person or other can or cannot afford etc. The issue is that in general, there have been an increasing number of people who are either homeless, or adding to the waiting list for a suitable home. Now if we were talking about the latest product from Apple, or whatever, no problem. But we are talking about housing which is a social necessity for development of civilised societies to develop and prosper.
So the reasons why there is increasing numbers of homeless needs to be investigated. One of the reasons is, that given the level of housing stock, relative to the incomes of those on housing lists, houses have become unaffordable to them. Digging deeper, even those who can afford to pay rent, have been finding it increasingly difficult to save, let alone save enough for a deposit on their own home.
This may be very detrimental to the overall well-being and fabric of our society. Couples with basic human behavioural tendencies to start families may delay doing so. Those that do start a family, may only be a pay cheque or two away from State dependency. Imagine if one was ill, unable to work and the partner gave up work to look after the healthcare? Suffering the ignominy of being labelled as someone in receipt of a 'free house', with the audacity to choose a colour scheme for furnishings. God forbid, the children have a home with wallpaper!
So it is not that person A or person B cannot afford, or choose to pay, high rents, it is that increasing numbers of people cannot pay the rent or afford a home of their own. When that is occuring, there is an structural deficit within the economy - a housing market failure, and that needs to be addressed.