Nailing down all the expectations explicitly would be a good start. How does one define whether expectations are "too high"?
I would say that affordable shelter is a basic expectation in a functioning economy. How that is achieved is the issue. Enough properties exist to house most in temporary accommodation but they stand empty. They are assets, not homes.
A single person may be able to manage in a bedsit or houseshare. That is "expected" of them. How do they pay for it? They get a job. If they can't pay for it via that means, the state will, begrudgingly, step in, because lack of stable environment causes more expensive problems, and too many shabby homeless types on the streets upsets the "naice" people. It also risks a rise in crime, strain on the NHS, possibly, in extremis, revolution.
A family with children arguably needs more support and better accommodation because the expectation is that we protect and invest in children - they are our future. If this is provided with a sneer and distaste, the hope that they will grow up grateful and productive is greatly reduced.
But the big question - is shelter a reasonable expectation if you can't provide it or build it essentially by yourself, without state assistance?
In our world, I would say yes. It's a basic need. Some however would say no.
There is a regressive tone to much current rhetoric that mystifies me. A hearkening back to brutal times to teach those who appear entitled a damn good lesson. I don't think it will have the positive impact that hardliners dream of, quite the opposite.