Ya know what, you are right. I should remove that part of my comment, because while it's possible to find situations that you could be a week away from losing your house or apartment, it's not as likely as the situations of:

* having to ration your food out, or just go hungry. After all, they say humans can go something like a week without food right? You can handle that.

* not being able to travel because you don't have money to pay for gas or any other kind of transportation. And it's not like you have the time to walk to the store between your 2 jobs since it's almost 30 minutes away walking, which is better than the bank which can be an hour away. And that's assuming the hours of operation let you go outside of your day or night job.

* losing your phone plan, which cuts you off from the internet and the world in a lot of ways, which in turn makes it much more expensive to apply for jobs (you have to go to a local library for internet, because all applications require online access now), manage what little money you have (no online banking, no paying bills online, no ability to cash checks from your phone, now you are going into the bank), and more.

* resorting to theft to get enough money to pay for the above things, which then does risk you getting caught and losing everything.

And every day you don't pay your rent or your bills brings you one day closer to being kicked out, and if you do get kicked out it's all over, because without a few thousand dollars and a lot of luck you aren't ever going to get another apartment, and will have to resort to living in shitty motels which is much more expensive.

So yeah, you most likely won't lose your house or apartment from one missed payment, but you can absolutely lose your ability to get to any job, which means that you then lose all of your income, which means that you are now not just missing one month's rent, but the next few as well, and you can't move at that point because nobody will rent out a place to someone that doesn't pay their bills. Meanwhile you are getting those fun yellow pieces of paper taped to your door telling you just how deep in the hole you are, and how long you have to fix everything before it's really over.

Why are you so sure this isn't the case?