I have lived in SF for 11 years. I have worked for nonprofits and ran small businesses, on top of being a renter, so I'm not raking in the big bucks. Before moving here, I lived in Switzerland, Mexico, Canada and the South. I have had less "quality of life" issues here than elsewhere. Sure, some neighborhoods are plagued by homelessness and drug users, but honestly so are some places in Switzerland. Transit is great (could be better), education is too and there's a great sense of community pretty much anywhere. I really don't understand why folks are so upset.