[@RedDusk] yep! Everyone lives in provided accomodation until they can afford (and be allowed to own) their own property and peace out. People may also chose to buy property together to cut rent/house prices. I'm thinking there will be an optional communal eating area and common area in provided accomodation, but of course characters are not forced to use them if they prefer to eat out (slightly more expensive) and about or being around the provided accomodation. Provided Accomodation also don't experience accomodation events, so you're safe from bad things happening, but also good things too.

The current system in place means dorm partners will be assigned semi-randomly. I will roll for who the first person on a dorm is: if it's a Heart, they get one other random partner. A Spade gets two roommates. A Club gets 3 and a Diamond gets 4. Room quality is assigned by the spread of suits in a room. A group of diamonds who were unfortunate enough to share together will live in cramped conditions and squalor. Two hearts will live like kings. A mix of suit also takes into account house numbers. 

If provided accomodation isn't for you, there's nothing to stop a character deciding to live elsewhere, either on the street, in town or smuggling themselves into a dorm not assigned to them. However, there will be repercussions - there will be punishment for not following the system, and dangers depending on where you live. Someone on the streets is going to have a lot harder time then someone who's snuck into a heart dorm and is living in their room-sized closet, but the later is more likely to be caught for it.