Imagine you're a homeless person without clean clothes or credit. Do you think people would want to rent to you? Take the silver spoon out of your mouth and think about it, even for a moment.
Also consider that scheduling and making the appointments without a smartphone or transportation would make it incredibly difficult work.
Must be pretty cozy up there in your ivory tower. You've never been faced with the stress of imminent homelessness, I take it. I have. There's a million things coming at you at once, all the while you're trying to keep a straight head while gripped in depression and fear.
Mean is an umbrella term that could be a lot of things, including ruthless. I'll use parallel analogies to make my point: Mean is to Martial Arts as Ruthless is to Goju Ryu Karate.