Spending money. Thorough a combination of a lot of bad luck and a few bad choices, I'm stuck playing credit card musical chairs to keep enough cash for rent and bills. "Ability to buy groceries/toiletries/medical copays/etc." is functionally a subscription for me. Few years of rice and beans in my future until I can dig myself out... good thing I like beans I guess

The worst I can imagine (aside from housing...) would be the others in Maslow's pyramid base: air, water, food, clothing.

• Air would be some straight up cyberpunk shit.
• Water/food would also be horrifying. We currently see meal subscriptions as a luxury, but for those without access to a kitchen and/or with disabilities that prevent them from reliably using one... ah fuck that's dismal.
• Clothing would be fuckin weird. Because such a ridiculous volume of it exists due to fast fashion, I can't see this happening on Earth in the near future, thankfully.