You don't have to live in San Francisco to work there. There are plenty of people who live on the other side of the bay and commute by train. This gives you a much more affordable place to live than San Francisco.
Or 10-20 minutes if you live in oakland and your company is on market st. It's faster to live in oakland and get to work than live in the western side of sf in that case.
Google maps thinks it's 36 minutes from Richmond station to Embarcadero station, and all the other combinations are slower. Where are you travelling between?
You're not at the end of the line in the East Bay, then. The BART ride alone would be at least 40 minutes, and that's if there wasn't some kind of delay.
Well there are options and nothing is perfect. If people want to live in an area with high demand and they are not willing to compromise, they should quit their complaining and pay the high rental costs.