Not discussing whether it's right or wrong to think this way, but "decent housing" is certainly not remotely considered as a human right. This may be what most people think nowadays, but it's certainly not written anywhere in most constitutions. This is just your interpretation.
Now, not being able to afford housing depends on many factors, it's not just about how much you earn, it's also about the artifical bubbles created on property values by the actors in place...