The first issue to address was housing.
In 2076, urbanization had reached an extreme and irreversible level, and the cost of city land had skyrocketed.
It's no exaggeration to say that 99% of the population couldn't afford to buy a house, those with a bit of money were renters, and many were homeless on the streets.
To ensure operational stability and enhance employee loyalty, companies provided corporate apartments to their employees—
which was a decent perk, but once you left the company, you had to clear out; so, essentially, the employees didn't own their homes.
Lille wasn't a company employee, so he had to accept this rule and rent an apartment.
In Night City, the vast majority of livable real estate was owned by Ye's Company, so he had to rent from Ye's Company this time.
V faced the same issue; his old rundown apartment had been vacated long ago, and now he had to rent again.