So something I've not seen mentioned is roommates. If there are singles or even two couples, tasks can be split and if the place is set up well could have living space and private spaces. We lived with roommates in college. I find it interesting that once one is alone on the other end of life that for some reason is no longer an option. If there are 3-4 people in a household, each with his/her own room, just as in college - bills would be split. As long as the "rules" were laid out ahead of time, it could work.